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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 | $34,417 | $61,214-43.8% | $83,327-58.7% | $56,289-38.9% |
| Participation rate | 39.8% | 72.6%-32.8pp | 77.8%-38.0pp | 69.9%-30.0pp |
| Annual return | -11.83% | 0.42%-12.2pp | 10.64%-22.5pp | -9.96%-1.9pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $7,298 | $5,091+43.3% | $5,565+31.1% | $3,350+117.9% |
| Admin fee / account holder | $5,963 | $512+1065.7% | $7,540-20.9% | $521+1044.6% |