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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 | $62,879 | $64,719-2.8% | $112,249-44.0% | $68,486-8.2% |
| Participation rate | 13.9% | 67.2%-53.3pp | 75.1%-61.2pp | 67.9%-54.0pp |
| Annual return | -19.98% | -11.40%-8.6pp | 27.48%-47.5pp | -7.85%-12.1pp |
| Employer contribution / active EE | $442 | $2,747-83.9% | $3,636-87.8% | $2,597-83.0% |
| Participant deferral / active EE | $1,821 | $3,565-48.9% | $4,729-61.5% | $4,028-54.8% |
| Admin fee / account holder | $740 | $5,232-85.9% | $6,412-88.5% | $5,404-86.3% |