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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 | $60,571 | $71,878-15.7% | $86,698-30.1% | $68,486-11.6% |
| Participation rate | 37.0% | 72.2%-35.3pp | 76.6%-39.6pp | 67.9%-30.9pp |
| Annual return | -19.70% | 3.53%-23.2pp | 35.95%-55.6pp | -7.85%-11.8pp |
| Employer contribution / active EE | $554 | $2,173-74.5% | $2,837-80.5% | $2,597-78.7% |
| Participant deferral / active EE | $1,876 | $3,779-50.3% | $4,656-59.7% | $4,028-53.4% |
| Admin fee / account holder | $2,856 | $6,113-53.3% | $7,493-61.9% | $5,404-47.1% |