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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 | $36,349 | $70,430-48.4% | $96,572-62.4% | $85,851-57.7% |
| Participation rate | 40.4% | 61.8%-21.4pp | 69.8%-29.4pp | 69.3%-28.9pp |
| Annual return | 10.84% | 18.58%-7.7pp | 37.79%-27.0pp | 318.63%-307.8pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,781 | $2,894-38.5% | $3,850-53.7% | $3,952-54.9% |
| Admin fee / account holder | $2,201 | $4,996-56.0% | $6,183-64.4% | $6,261-64.9% |