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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 | $46,240 | $71,873-35.7% | $86,698-46.7% | $68,490-32.5% |
| Participation rate | 47.3% | 72.2%-25.0pp | 76.6%-29.3pp | 67.9%-20.6pp |
| Annual return | -23.43% | 3.54%-27.0pp | 35.96%-59.4pp | -7.85%-15.6pp |
| Employer contribution / active EE | $113 | $2,173-94.8% | $2,837-96.0% | $2,597-95.6% |
| Participant deferral / active EE | $1,833 | $3,779-51.5% | $4,656-60.6% | $4,028-54.5% |
| Admin fee / account holder | $1,525 | $6,110-75.0% | $7,492-79.6% | $5,403-71.8% |