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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 | $36,955 | $50,947-27.5% | $74,551-50.4% | $64,173-42.4% |
| Participation rate | 39.0% | 61.1%-22.0pp | 69.1%-30.1pp | 69.6%-30.5pp |
| Annual return | -11.01% | -1.85%-9.2pp | 32.53%-43.5pp | 7.63%-18.6pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,233 | $2,302+40.5% | $3,108+4.0% | $3,470-6.8% |
| Admin fee / account holder | $4,952 | $4,221+17.3% | $5,059-2.1% | $4,887+1.3% |