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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 | $41,572 | $35,183+18.2% | $73,550-43.5% | $70,126-40.7% |
| Participation rate | 34.9% | 42.9%-8.0pp | 54.9%-20.0pp | 69.5%-34.7pp |
| Annual return | 4.15% | 26.90%-22.8pp | -15.16%+19.3pp | 73.15%-69.0pp |
| Employer contribution / active EE | $0 | $709-100.0% | $1,219-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,147 | $1,220-5.9% | $1,804-36.4% | $3,332-65.6% |
| Admin fee / account holder | $922 | $2,302-60.0% | $2,320-60.3% | $4,645-80.2% |