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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 | $61,677 | $58,577+5.3% | $83,323-26.0% | $64,181-3.9% |
| Participation rate | 61.5% | 72.0%-10.5pp | 77.8%-16.2pp | 69.6%-8.0pp |
| Annual return | -9.50% | 9.65%-19.1pp | 10.63%-20.1pp | 7.63%-17.1pp |
| Employer contribution / active EE | $160 | $2,098-92.4% | $3,379-95.3% | $2,381-93.3% |
| Participant deferral / active EE | $3,943 | $4,654-15.3% | $5,565-29.1% | $3,470+13.6% |
| Admin fee / account holder | $759 | $9,275-91.8% | $7,539-89.9% | $4,887-84.5% |