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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 | $57,860 | $82,028-29.5% | $123,105-53.0% | $59,633-3.0% |
| Participation rate | 65.1% | 83.2%-18.1pp | 86.8%-21.7pp | 68.7%-3.6pp |
| Annual return | -2.81% | 5.12%-7.9pp | 13.22%-16.0pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $1,024 | $3,297-68.9% | $5,151-80.1% | $2,203-53.5% |
| Participant deferral / active EE | $2,447 | $4,667-47.6% | $6,229-60.7% | $3,192-23.3% |
| Admin fee / account holder | $534 | $5,879-90.9% | $9,014-94.1% | $4,297-87.6% |