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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 | $46,404 | $85,060-45.4% | $70,565-34.2% | $139,487-66.7% |
| Participation rate | 50.0% | 73.9%-23.9pp | 68.4%-18.4pp | 80.3%-30.3pp |
| Annual return | -4.62% | 30.39%-35.0pp | 32.79%-37.4pp | 373.84%-378.5pp |
| Employer contribution / active EE | $309 | $3,912-92.1% | $2,976-89.6% | $4,755-93.5% |
| Participant deferral / active EE | $11,763 | $5,891+99.7% | $4,568+157.5% | $6,713+75.2% |
| Admin fee / account holder | $6,492 | $8,932-27.3% | $6,430+1.0% | $11,407-43.1% |