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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 | $51,165 | $63,703-19.7% | $93,063-45.0% | $82,448-37.9% |
| Participation rate | 38.5% | 63.8%-25.4pp | 72.1%-33.7pp | 68.1%-29.6pp |
| Annual return | 8.55% | -775.43%+784.0pp | 34.15%-25.6pp | 41.64%-33.1pp |
| Employer contribution / active EE | $104 | $1,729-94.0% | $2,476-95.8% | $2,551-95.9% |
| Participant deferral / active EE | $2,476 | $2,919-15.2% | $3,958-37.4% | $4,139-40.2% |
| Admin fee / account holder | $648 | $5,982-89.2% | $6,033-89.3% | $7,234-91.0% |