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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 | $20,351 | $77,816-73.8% | $123,549-83.5% | $64,181-68.3% |
| Participation rate | 30.8% | 74.7%-43.9pp | 82.3%-51.5pp | 69.6%-38.8pp |
| Annual return | -8.65% | 12.49%-21.1pp | 119.20%-127.8pp | 7.63%-16.3pp |
| Employer contribution / active EE | $141 | $3,014-95.3% | $4,628-96.9% | $2,381-94.1% |
| Participant deferral / active EE | $2,552 | $5,240-51.3% | $6,426-60.3% | $3,470-26.5% |
| Admin fee / account holder | $1,154 | $5,519-79.1% | $9,284-87.6% | $4,887-76.4% |