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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 | $79,056 | $81,870-3.4% | $119,608-33.9% | $68,495+15.4% |
| Participation rate | 67.5% | 71.9%-4.4pp | 79.3%-11.8pp | 67.9%-0.4pp |
| Annual return | -19.18% | -23.82%+4.6pp | -14.98%-4.2pp | -7.84%-11.3pp |
| Employer contribution / active EE | $498 | $2,692-81.5% | $4,232-88.2% | $2,596-80.8% |
| Participant deferral / active EE | $2,190 | $4,148-47.2% | $5,601-60.9% | $4,028-45.6% |
| Admin fee / account holder | $4,944 | $6,583-24.9% | $10,326-52.1% | $5,403-8.5% |