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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 | $55,223 | $56,484-2.2% | $169,452-67.4% | $64,173-13.9% |
| Participation rate | 58.0% | 64.5%-6.6pp | 77.8%-19.8pp | 69.6%-11.6pp |
| Annual return | -9.67% | -1.55%-8.1pp | 1.83%-11.5pp | 7.63%-17.3pp |
| Employer contribution / active EE | $44 | $1,832-97.6% | $4,157-99.0% | $2,381-98.2% |
| Participant deferral / active EE | $1,450 | $3,448-57.9% | $5,277-72.5% | $3,470-58.2% |
| Admin fee / account holder | $631 | $4,174-84.9% | $9,110-93.1% | $4,887-87.1% |