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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 | $31,631 | $47,944-34.0% | $67,834-53.4% | $62,881-49.7% |
| Participation rate | 57.5% | 61.1%-3.6pp | 68.8%-11.3pp | 69.3%-11.8pp |
| Annual return | -1.35% | 11.77%-13.1pp | 138.47%-139.8pp | 20.14%-21.5pp |
| Employer contribution / active EE | $214 | $1,562-86.3% | $2,403-91.1% | $2,281-90.6% |
| Participant deferral / active EE | $857 | $2,247-61.9% | $3,160-72.9% | $3,203-73.3% |
| Admin fee / account holder | $2,188 | $3,712-41.1% | $4,622-52.7% | $4,296-49.1% |