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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 | $37,295 | $54,380-31.4% | $68,509-45.6% | $59,633-37.5% |
| Participation rate | 63.5% | 70.2%-6.7pp | 74.7%-11.3pp | 68.7%-5.2pp |
| Annual return | -2.90% | 2.83%-5.7pp | 8.27%-11.2pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $40 | $1,539-97.4% | $2,278-98.3% | $2,203-98.2% |
| Participant deferral / active EE | $3,538 | $2,643+33.8% | $3,382+4.6% | $3,192+10.8% |
| Admin fee / account holder | $1,883 | $3,885-51.5% | $5,275-64.3% | $4,297-56.2% |