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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 | $47,260 | $58,587-19.3% | $83,322-43.3% | $64,173-26.4% |
| Participation rate | 61.1% | 72.0%-10.9pp | 77.8%-16.6pp | 69.6%-8.5pp |
| Annual return | -9.38% | 9.65%-19.0pp | 10.64%-20.0pp | 7.63%-17.0pp |
| Employer contribution / active EE | $40 | $2,098-98.1% | $3,379-98.8% | $2,381-98.3% |
| Participant deferral / active EE | $4,436 | $4,654-4.7% | $5,565-20.3% | $3,470+27.8% |
| Admin fee / account holder | $1,224 | $9,279-86.8% | $7,540-83.8% | $4,887-74.9% |