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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 | $44,677 | $77,816-42.6% | $123,552-63.8% | $64,173-30.4% |
| Participation rate | 33.3% | 74.7%-41.4pp | 82.3%-49.0pp | 69.6%-36.2pp |
| Annual return | -11.05% | 12.49%-23.5pp | 119.20%-130.3pp | 7.63%-18.7pp |
| Employer contribution / active EE | $266 | $3,014-91.2% | $4,628-94.3% | $2,381-88.8% |
| Participant deferral / active EE | $2,333 | $5,240-55.5% | $6,426-63.7% | $3,470-32.8% |
| Admin fee / account holder | $2,863 | $5,519-48.1% | $9,285-69.2% | $4,887-41.4% |