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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 | $65,868 | $67,411-2.3% | $91,004-27.6% | $70,126-6.1% |
| Participation rate | 53.6% | 71.4%-17.7pp | 75.6%-22.0pp | 69.5%-15.9pp |
| Annual return | 11.43% | -40.16%+51.6pp | 4.60%+6.8pp | 73.15%-61.7pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,295 | $2,823-54.1% | $3,548-63.5% | $3,332-61.1% |
| Admin fee / account holder | $7,015 | $4,236+65.6% | $5,417+29.5% | $4,645+51.0% |