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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 | $28,104 | $64,716-56.6% | $112,258-75.0% | $68,495-59.0% |
| Participation rate | 37.2% | 67.2%-29.9pp | 75.1%-37.9pp | 67.9%-30.7pp |
| Annual return | -26.05% | -11.40%-14.6pp | 27.47%-53.5pp | -7.84%-18.2pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,850 | $3,565-20.1% | $4,728-39.7% | $4,028-29.2% |
| Admin fee / account holder | $5,184 | $5,232-0.9% | $6,411-19.1% | $5,403-4.1% |