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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 | $34,674 | $54,380-36.2% | $68,509-49.4% | $59,633-41.9% |
| Participation rate | 37.5% | 70.2%-32.7pp | 74.7%-37.2pp | 68.7%-31.2pp |
| Annual return | -2.32% | 2.83%-5.2pp | 8.27%-10.6pp | 2041.40%-2043.7pp |
| Employer contribution / active EE | $129 | $1,539-91.6% | $2,278-94.3% | $2,203-94.1% |
| Participant deferral / active EE | $1,629 | $2,643-38.4% | $3,382-51.8% | $3,192-49.0% |
| Admin fee / account holder | $4,964 | $3,885+27.8% | $5,275-5.9% | $4,297+15.5% |