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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 | $51,806 | $63,861-18.9% | $104,639-50.5% | $79,856-35.1% |
| Participation rate | 54.3% | 64.9%-10.6pp | 74.1%-19.8pp | 69.6%-15.4pp |
| Annual return | -4.00% | 21.30%-25.3pp | 340.67%-344.7pp | 31.71%-35.7pp |
| Employer contribution / active EE | $126 | $1,588-92.1% | $2,682-95.3% | $2,471-94.9% |
| Participant deferral / active EE | $1,258 | $2,693-53.3% | $3,738-66.4% | $3,741-66.4% |
| Admin fee / account holder | $1,058 | $4,185-74.7% | $6,465-83.6% | $5,306-80.1% |