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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 | $27,872 | $72,177-61.4% | $115,038-75.8% | $59,633-53.3% |
| Participation rate | 60.0% | 72.6%-12.6pp | 81.4%-21.4pp | 68.7%-8.7pp |
| Annual return | -2.45% | 12.02%-14.5pp | 26.14%-28.6pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $326 | $2,841-88.5% | $4,608-92.9% | $2,203-85.2% |
| Participant deferral / active EE | $4,018 | $4,783-16.0% | $6,026-33.3% | $3,192+25.9% |
| Admin fee / account holder | $1,829 | $4,927-62.9% | $8,175-77.6% | $4,297-57.4% |