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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 | $14,368 | $77,908-81.6% | $149,696-90.4% | $75,173-80.9% |
| Participation rate | 44.7% | 65.6%-20.8pp | 78.8%-34.0pp | 67.2%-22.5pp |
| Annual return | 5.28% | 31.73%-26.4pp | 134.46%-129.2pp | 160.72%-155.4pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,159 | $3,411-36.7% | $5,682-62.0% | $4,126-47.7% |
| Admin fee / account holder | $1,461 | $5,950-75.5% | $13,212-88.9% | $5,651-74.2% |