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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 | $64,064 | $65,027-1.5% | $90,970-29.6% | $79,852-19.8% |
| Participation rate | 48.6% | 61.6%-13.0pp | 69.0%-20.4pp | 69.6%-21.0pp |
| Annual return | -3.89% | 30.45%-34.3pp | 134.58%-138.5pp | 31.72%-35.6pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,484 | $2,512-40.9% | $3,373-56.0% | $3,740-60.3% |
| Admin fee / account holder | $11,380 | $4,535+150.9% | $5,960+90.9% | $5,306+114.5% |