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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 | $25,117 | $72,177-65.2% | $115,038-78.2% | $59,633-57.9% |
| Participation rate | 23.5% | 72.6%-49.0pp | 81.4%-57.8pp | 68.7%-45.1pp |
| Annual return | -8.52% | 12.02%-20.5pp | 26.14%-34.7pp | 2041.45%-2050.0pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,401 | $4,783-49.8% | $6,026-60.2% | $3,192-24.8% |
| Admin fee / account holder | $2,787 | $4,927-43.4% | $8,175-65.9% | $4,297-35.1% |