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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 | $34,731 | $64,729-46.3% | $112,263-69.1% | $68,490-49.3% |
| Participation rate | 41.0% | 67.2%-26.1pp | 75.1%-34.0pp | 67.9%-26.9pp |
| Annual return | -23.59% | -11.40%-12.2pp | 27.49%-51.1pp | -7.85%-15.7pp |
| Employer contribution / active EE | $571 | $2,746-79.2% | $3,636-84.3% | $2,597-78.0% |
| Participant deferral / active EE | $1,557 | $3,566-56.3% | $4,729-67.1% | $4,028-61.3% |
| Admin fee / account holder | $5,225 | $5,222+0.1% | $6,410-18.5% | $5,403-3.3% |