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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 | $34,028 | $67,411-49.5% | $91,004-62.6% | $70,126-51.5% |
| Participation rate | 44.8% | 71.4%-26.5pp | 75.6%-30.8pp | 69.5%-24.7pp |
| Annual return | 10.43% | -40.16%+50.6pp | 4.60%+5.8pp | 73.15%-62.7pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,472 | $2,823+23.0% | $3,548-2.1% | $3,332+4.2% |
| Admin fee / account holder | $11,605 | $4,236+173.9% | $5,417+114.2% | $4,645+149.8% |