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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 | $31,130 | $52,306-40.5% | $69,779-55.4% | $62,881-50.5% |
| Participation rate | 16.2% | 67.2%-51.1pp | 71.8%-55.6pp | 69.3%-53.1pp |
| Annual return | -3.28% | 13.35%-16.6pp | 12.99%-16.3pp | 20.14%-23.4pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,338-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,154 | $2,395-51.8% | $2,931-60.6% | $3,203-64.0% |
| Admin fee / account holder | $4,238 | $3,691+14.8% | $4,381-3.3% | $4,296-1.3% |