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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 | $47,089 | $60,349-22.0% | $74,184-36.5% | $62,881-25.1% |
| Participation rate | 53.3% | 72.7%-19.4pp | 76.6%-23.3pp | 69.3%-16.0pp |
| Annual return | -2.09% | 21.38%-23.5pp | 17.74%-19.8pp | 20.14%-22.2pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,014 | $2,856-29.5% | $3,550-43.3% | $3,203-37.1% |
| Admin fee / account holder | $1,424 | $4,261-66.6% | $5,586-74.5% | $4,296-66.8% |