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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 | $12,943 | $58,848-78.0% | $88,179-85.3% | $82,637-84.3% |
| Participation rate | 15.6% | 57.9%-42.3pp | 69.1%-53.6pp | 68.1%-52.5pp |
| Annual return | -11.86% | 22.76%-34.6pp | 64.97%-76.8pp | 53.51%-65.4pp |
| Employer contribution / active EE | $215 | $1,678-87.2% | $2,549-91.6% | $2,552-91.6% |
| Participant deferral / active EE | $1,263 | $3,124-59.6% | $4,614-72.6% | $4,126-69.4% |
| Admin fee / account holder | $1,614 | $4,795-66.3% | $7,673-79.0% | $7,339-78.0% |