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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 | $49,879 | $52,678-5.3% | $75,784-34.2% | $59,633-16.4% |
| Participation rate | 34.5% | 67.2%-32.7pp | 75.8%-41.3pp | 68.7%-34.2pp |
| Annual return | -3.60% | 2.95%-6.6pp | 9.68%-13.3pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $346 | $2,193-84.2% | $3,323-89.6% | $2,203-84.3% |
| Participant deferral / active EE | $1,612 | $2,591-37.8% | $3,652-55.8% | $3,192-49.5% |
| Admin fee / account holder | $510 | $3,610-85.9% | $5,300-90.4% | $4,297-88.1% |