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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 | $25,880 | $72,177-64.1% | $115,038-77.5% | $59,633-56.6% |
| Participation rate | 51.6% | 72.6%-21.0pp | 81.4%-29.8pp | 68.7%-17.1pp |
| Annual return | -4.04% | 12.02%-16.1pp | 26.14%-30.2pp | 2041.45%-2045.5pp |
| Employer contribution / active EE | $434 | $2,841-84.7% | $4,608-90.6% | $2,203-80.3% |
| Participant deferral / active EE | $3,236 | $4,783-32.3% | $6,026-46.3% | $3,192+1.4% |
| Admin fee / account holder | $1,030 | $4,927-79.1% | $8,175-87.4% | $4,297-76.0% |