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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 | $39,730 | $76,551-48.1% | $123,894-67.9% | $62,881-36.8% |
| Participation rate | 41.9% | 73.0%-31.0pp | 81.4%-39.5pp | 69.3%-27.4pp |
| Annual return | -0.88% | 18.68%-19.6pp | 47.52%-48.4pp | 20.14%-21.0pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,337 | $4,840-31.1% | $5,984-44.2% | $3,203+4.2% |
| Admin fee / account holder | $13,452 | $4,826+178.7% | $8,357+61.0% | $4,296+213.1% |