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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 | $44,607 | $61,660-27.7% | $80,022-44.3% | $64,181-30.5% |
| Participation rate | 23.8% | 71.7%-47.9pp | 75.8%-52.0pp | 69.6%-45.8pp |
| Annual return | -9.29% | -0.33%-9.0pp | 11.22%-20.5pp | 7.63%-16.9pp |
| Employer contribution / active EE | $312 | $1,810-82.8% | $2,468-87.4% | $2,381-86.9% |
| Participant deferral / active EE | $1,306 | $2,968-56.0% | $3,686-64.6% | $3,470-62.3% |
| Admin fee / account holder | $3,690 | $5,417-31.9% | $6,521-43.4% | $4,887-24.5% |