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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 | $31,892 | $40,275-20.8% | $57,356-44.4% | $59,633-46.5% |
| Participation rate | 51.4% | 69.1%-17.7pp | 75.1%-23.7pp | 68.7%-17.2pp |
| Annual return | -2.42% | 27.52%-29.9pp | 24.41%-26.8pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $0 | $1,921-100.0% | $2,689-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,003 | $2,400+66.8% | $3,162+26.6% | $3,192+25.4% |
| Admin fee / account holder | $8,746 | $2,820+210.1% | $3,357+160.5% | $4,297+103.5% |