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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 | $48,911 | $54,380-10.1% | $68,509-28.6% | $59,633-18.0% |
| Participation rate | 59.5% | 70.2%-10.7pp | 74.7%-15.3pp | 68.7%-9.2pp |
| Annual return | -5.75% | 2.83%-8.6pp | 8.27%-14.0pp | 2041.40%-2047.2pp |
| Employer contribution / active EE | $0 | $1,539-100.0% | $2,278-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,859 | $2,643-29.7% | $3,382-45.0% | $3,192-41.7% |
| Admin fee / account holder | $565 | $3,885-85.4% | $5,275-89.3% | $4,297-86.8% |