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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,989 | $48,313-42.1% | $73,309-61.8% | $52,331-46.5% |
| Participation rate | 36.0% | 68.6%-32.5pp | 74.9%-38.9pp | 68.1%-32.1pp |
| Annual return | -1.73% | 3.85%-5.6pp | 5.67%-7.4pp | 4.54%-6.3pp |
| Employer contribution / active EE | $0 | $1,661-100.0% | $3,237-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $4,326 | $4,189+3.3% | $4,991-13.3% | $3,022+43.1% |
| Admin fee / account holder | $4,085 | $404+911.4% | $5,635-27.5% | $592+590.5% |