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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 | $45,998 | $77,816-40.9% | $123,552-62.8% | $64,173-28.3% |
| Participation rate | 62.7% | 74.7%-12.0pp | 82.3%-19.6pp | 69.6%-6.9pp |
| Annual return | -9.49% | 12.49%-22.0pp | 119.20%-128.7pp | 7.63%-17.1pp |
| Employer contribution / active EE | $529 | $3,014-82.5% | $4,628-88.6% | $2,381-77.8% |
| Participant deferral / active EE | $8,837 | $5,240+68.6% | $6,426+37.5% | $3,470+154.7% |
| Admin fee / account holder | $336 | $5,519-93.9% | $9,285-96.4% | $4,887-93.1% |