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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 | $44,648 | $42,383+5.3% | $76,518-41.7% | $64,173-30.4% |
| Participation rate | 36.0% | 58.1%-22.1pp | 68.0%-32.0pp | 69.6%-33.5pp |
| Annual return | -11.16% | -16.54%+5.4pp | -0.27%-10.9pp | 7.63%-18.8pp |
| Employer contribution / active EE | $192 | $1,563-87.7% | $2,647-92.7% | $2,381-91.9% |
| Participant deferral / active EE | $1,322 | $2,566-48.5% | $3,836-65.5% | $3,470-61.9% |
| Admin fee / account holder | $1,379 | $3,198-56.9% | $4,849-71.6% | $4,887-71.8% |