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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 | $37,131 | $36,948+0.5% | $73,658-49.6% | $87,485-57.6% |
| Participation rate | 6.1% | 46.8%-40.7pp | 57.0%-50.9pp | 68.9%-62.8pp |
| Annual return | 12.80% | 28.64%-15.8pp | 29.72%-16.9pp | 26.06%-13.3pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $383 | $1,379-72.2% | $2,062-81.4% | $4,274-91.0% |
| Admin fee / account holder | $5,469 | $2,531+116.1% | $3,357+62.9% | $7,775-29.7% |