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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 | $64,668 | $71,873-10.0% | $86,698-25.4% | $68,490-5.6% |
| Participation rate | 50.8% | 72.2%-21.4pp | 76.6%-25.7pp | 67.9%-17.0pp |
| Annual return | -21.18% | 3.54%-24.7pp | 35.96%-57.1pp | -7.85%-13.3pp |
| Employer contribution / active EE | $311 | $2,173-85.7% | $2,837-89.0% | $2,597-88.0% |
| Participant deferral / active EE | $3,111 | $3,779-17.7% | $4,656-33.2% | $4,028-22.8% |
| Admin fee / account holder | $2,726 | $6,110-55.4% | $7,492-63.6% | $5,403-49.5% |