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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 | $41,619 | $50,947-18.3% | $74,551-44.2% | $64,173-35.1% |
| Participation rate | 29.6% | 61.1%-31.4pp | 69.1%-39.5pp | 69.6%-39.9pp |
| Annual return | -9.34% | -1.85%-7.5pp | 32.53%-41.9pp | 7.63%-17.0pp |
| Employer contribution / active EE | $104 | $1,115-90.7% | $1,961-94.7% | $2,381-95.6% |
| Participant deferral / active EE | $1,030 | $2,302-55.2% | $3,108-66.9% | $3,470-70.3% |
| Admin fee / account holder | $1,791 | $4,221-57.6% | $5,059-64.6% | $4,887-63.4% |