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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 | $62,968 | $72,404-13.0% | $110,241-42.9% | $64,181-1.9% |
| Participation rate | 58.9% | 73.3%-14.4pp | 79.8%-20.9pp | 69.6%-10.6pp |
| Annual return | -8.60% | -6.29%-2.3pp | 314.75%-323.3pp | 7.63%-16.2pp |
| Employer contribution / active EE | $257 | $2,282-88.7% | $3,827-93.3% | $2,381-89.2% |
| Participant deferral / active EE | $2,763 | $3,469-20.3% | $4,672-40.9% | $3,470-20.4% |
| Admin fee / account holder | $7,747 | $5,664+36.8% | $8,548-9.4% | $4,887+58.5% |