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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 | $29,795 | $76,551-61.1% | $123,894-76.0% | $62,881-52.6% |
| Participation rate | 46.2% | 73.0%-26.8pp | 81.4%-35.3pp | 69.3%-23.2pp |
| Annual return | -1.05% | 18.68%-19.7pp | 47.52%-48.6pp | 20.14%-21.2pp |
| Employer contribution / active EE | $403 | $2,882-86.0% | $4,617-91.3% | $2,281-82.3% |
| Participant deferral / active EE | $2,813 | $4,840-41.9% | $5,984-53.0% | $3,203-12.2% |
| Admin fee / account holder | $1,537 | $4,826-68.2% | $8,357-81.6% | $4,296-64.2% |