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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 | $15,930 | $32,037-50.3% | $69,182-77.0% | $62,881-74.7% |
| Participation rate | 46.9% | 43.4%+3.5pp | 55.1%-8.2pp | 69.3%-22.4pp |
| Annual return | 4.15% | 15.16%-11.0pp | -21.93%+26.1pp | 20.14%-16.0pp |
| Employer contribution / active EE | $0 | $679-100.0% | $1,206-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,369 | $1,185+15.5% | $1,897-27.8% | $3,203-57.3% |
| Admin fee / account holder | $2,892 | $2,608+10.9% | $2,697+7.3% | $4,296-32.7% |