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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 | $35,482 | $47,944-26.0% | $67,834-47.7% | $62,881-43.6% |
| Participation rate | 16.4% | 61.1%-44.6pp | 68.8%-52.4pp | 69.3%-52.9pp |
| Annual return | 1.58% | 11.77%-10.2pp | 138.47%-136.9pp | 20.14%-18.6pp |
| Employer contribution / active EE | $0 | $1,562-100.0% | $2,403-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,209 | $2,247-46.2% | $3,160-61.7% | $3,203-62.3% |
| Admin fee / account holder | $612 | $3,712-83.5% | $4,622-86.7% | $4,296-85.7% |