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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 | $38,472 | $71,878-46.5% | $86,698-55.6% | $68,486-43.8% |
| Participation rate | 38.8% | 72.2%-33.4pp | 76.6%-37.8pp | 67.9%-29.1pp |
| Annual return | -20.30% | 3.53%-23.8pp | 35.95%-56.2pp | -7.85%-12.4pp |
| Employer contribution / active EE | $194 | $2,173-91.1% | $2,837-93.2% | $2,597-92.5% |
| Participant deferral / active EE | $3,581 | $3,779-5.2% | $4,656-23.1% | $4,028-11.1% |
| Admin fee / account holder | $717 | $6,113-88.3% | $7,493-90.4% | $5,404-86.7% |