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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 | $39,287 | $69,977-43.9% | $108,582-63.8% | $62,881-37.5% |
| Participation rate | 38.3% | 72.9%-34.6pp | 79.6%-41.3pp | 69.3%-31.0pp |
| Annual return | 3.77% | 10.73%-7.0pp | -51.70%+55.5pp | 20.14%-16.4pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,049 | $3,165-3.7% | $4,311-29.3% | $3,203-4.8% |
| Admin fee / account holder | $1,874 | $5,076-63.1% | $7,645-75.5% | $4,296-56.4% |