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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 | $13,406 | $49,280-72.8% | $67,313-80.1% | $64,173-79.1% |
| Participation rate | 50.0% | 60.8%-10.8pp | 69.1%-19.1pp | 69.6%-19.6pp |
| Annual return | -9.44% | -1.39%-8.0pp | -4.08%-5.4pp | 7.63%-17.1pp |
| Employer contribution / active EE | $165 | $1,668-90.1% | $2,566-93.6% | $2,381-93.1% |
| Participant deferral / active EE | $2,093 | $2,484-15.7% | $3,568-41.3% | $3,470-39.7% |
| Admin fee / account holder | $387 | $3,863-90.0% | $4,507-91.4% | $4,887-92.1% |