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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 | $45,434 | $48,050-5.4% | $85,969-47.1% | $59,633-23.8% |
| Participation rate | 20.0% | 64.5%-44.5pp | 76.5%-56.5pp | 68.7%-48.7pp |
| Annual return | -3.91% | 0.29%-4.2pp | 9.32%-13.2pp | 2041.45%-2045.4pp |
| Employer contribution / active EE | $333 | $1,640-79.7% | $3,474-90.4% | $2,203-84.9% |
| Participant deferral / active EE | $1,223 | $2,249-45.6% | $3,829-68.1% | $3,192-61.7% |
| Admin fee / account holder | $481 | $3,206-85.0% | $6,053-92.1% | $4,297-88.8% |