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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 | $20,171 | $52,678-61.7% | $75,784-73.4% | $59,633-66.2% |
| Participation rate | 58.6% | 67.2%-8.6pp | 75.8%-17.2pp | 68.7%-10.1pp |
| Annual return | -3.37% | 2.95%-6.3pp | 9.68%-13.1pp | 2041.40%-2044.8pp |
| Employer contribution / active EE | $316 | $2,193-85.6% | $3,323-90.5% | $2,203-85.6% |
| Participant deferral / active EE | $1,634 | $2,591-36.9% | $3,652-55.3% | $3,192-48.8% |
| Admin fee / account holder | $715 | $3,610-80.2% | $5,300-86.5% | $4,297-83.4% |