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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 | $20,917 | $48,050-56.5% | $85,969-75.7% | $59,633-64.9% |
| Participation rate | 45.6% | 64.5%-18.8pp | 76.5%-30.9pp | 68.7%-23.1pp |
| Annual return | -4.18% | 0.29%-4.5pp | 9.32%-13.5pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $167 | $1,640-89.8% | $3,474-95.2% | $2,203-92.4% |
| Participant deferral / active EE | $1,217 | $2,249-45.9% | $3,829-68.2% | $3,192-61.9% |
| Admin fee / account holder | $1,204 | $3,206-62.4% | $6,053-80.1% | $4,297-72.0% |