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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 | $82,975 | $62,583+32.6% | $76,767+8.1% | $64,173+29.3% |
| Participation rate | 68.4% | 72.8%-4.4pp | 77.0%-8.5pp | 69.6%-1.1pp |
| Annual return | -7.60% | -1.95%-5.7pp | 2.43%-10.0pp | 7.63%-15.2pp |
| Employer contribution / active EE | $412 | $1,832-77.5% | $2,485-83.4% | $2,381-82.7% |
| Participant deferral / active EE | $2,884 | $3,145-8.3% | $3,852-25.1% | $3,470-16.9% |
| Admin fee / account holder | $2,807 | $4,667-39.9% | $6,675-58.0% | $4,887-42.6% |