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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 | $42,086 | $67,411-37.6% | $91,004-53.8% | $70,126-40.0% |
| Participation rate | 53.8% | 71.4%-17.6pp | 75.6%-21.9pp | 69.5%-15.8pp |
| Annual return | 12.00% | -40.16%+52.2pp | 4.60%+7.4pp | 73.15%-61.1pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,912 | $2,823-32.3% | $3,548-46.1% | $3,332-42.6% |
| Admin fee / account holder | $4,859 | $4,236+14.7% | $5,417-10.3% | $4,645+4.6% |