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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 | $53,278 | $71,480-25.5% | $90,782-41.3% | $64,173-17.0% |
| Participation rate | 56.4% | 77.6%-21.2pp | 82.7%-26.2pp | 69.6%-13.2pp |
| Annual return | -8.89% | -4.25%-4.6pp | -3.42%-5.5pp | 7.63%-16.5pp |
| Employer contribution / active EE | $354 | $3,415-89.6% | $4,105-91.4% | $2,381-85.1% |
| Participant deferral / active EE | $7,651 | $4,302+77.8% | $5,366+42.6% | $3,470+120.5% |
| Admin fee / account holder | $5,658 | $6,309-10.3% | $5,908-4.2% | $4,887+15.8% |