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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 | $47,177 | $48,364-2.5% | $71,796-34.3% | $62,881-25.0% |
| Participation rate | 53.6% | 60.6%-7.1pp | 69.1%-15.5pp | 69.3%-15.7pp |
| Annual return | 1.80% | 13.16%-11.4pp | 78.04%-76.2pp | 20.14%-18.3pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,658 | $2,091-20.7% | $2,794-40.7% | $3,203-48.2% |
| Admin fee / account holder | $518 | $3,771-86.3% | $4,815-89.3% | $4,296-88.0% |