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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 | $39,210 | $62,589-37.4% | $76,768-48.9% | $64,173-38.9% |
| Participation rate | 65.1% | 72.8%-7.7pp | 77.0%-11.8pp | 69.6%-4.5pp |
| Annual return | -7.68% | -1.95%-5.7pp | 2.43%-10.1pp | 7.63%-15.3pp |
| Employer contribution / active EE | $326 | $1,832-82.2% | $2,485-86.9% | $2,381-86.3% |
| Participant deferral / active EE | $2,014 | $3,145-35.9% | $3,852-47.7% | $3,470-41.9% |
| Admin fee / account holder | $747 | $4,667-84.0% | $6,675-88.8% | $4,887-84.7% |