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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 | $61,146 | $65,704-6.9% | $94,229-35.1% | $59,633+2.5% |
| Participation rate | 65.1% | 72.1%-7.0pp | 78.8%-13.7pp | 68.7%-3.6pp |
| Annual return | -4.26% | 5.22%-9.5pp | 10.68%-14.9pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $265 | $2,021-86.9% | $3,587-92.6% | $2,203-88.0% |
| Participant deferral / active EE | $2,197 | $3,143-30.1% | $4,320-49.2% | $3,192-31.2% |
| Admin fee / account holder | $19,238 | $4,265+351.1% | $6,269+206.9% | $4,297+347.7% |