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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 | $47,476 | $77,816-39.0% | $123,552-61.6% | $64,173-26.0% |
| Participation rate | 65.6% | 74.7%-9.1pp | 82.3%-16.7pp | 69.6%-3.9pp |
| Annual return | -8.27% | 12.49%-20.8pp | 119.20%-127.5pp | 7.63%-15.9pp |
| Employer contribution / active EE | $498 | $3,014-83.5% | $4,628-89.2% | $2,381-79.1% |
| Participant deferral / active EE | $6,076 | $5,240+16.0% | $6,426-5.4% | $3,470+75.1% |
| Admin fee / account holder | $2,155 | $5,519-61.0% | $9,285-76.8% | $4,887-55.9% |