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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 | $44,580 | $59,813-25.5% | $79,580-44.0% | $68,486-34.9% |
| Participation rate | 42.4% | 61.1%-18.6pp | 69.5%-27.1pp | 67.9%-25.5pp |
| Annual return | -22.45% | -12.30%-10.2pp | 0.15%-22.6pp | -7.85%-14.6pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,023 | $3,024+66.1% | $3,985+26.0% | $4,028+24.7% |
| Admin fee / account holder | $506 | $4,835-89.5% | $6,835-92.6% | $5,404-90.6% |