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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 | $39,202 | $110,083-64.4% | $151,645-74.1% | $68,490-42.8% |
| Participation rate | 67.5% | 84.0%-16.5pp | 87.5%-20.0pp | 67.9%-0.4pp |
| Annual return | -20.03% | -10.12%-9.9pp | 3.34%-23.4pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,185 | $4,470-73.5% | $6,165-80.8% | $2,597-54.4% |
| Participant deferral / active EE | $4,594 | $6,526-29.6% | $8,363-45.1% | $4,028+14.1% |
| Admin fee / account holder | $6,280 | $7,718-18.6% | $11,614-45.9% | $5,403+16.2% |