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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 | $24,078 | $42,909-43.9% | $60,906-60.5% | $68,486-64.8% |
| Participation rate | 23.7% | 66.8%-43.1pp | 73.1%-49.4pp | 67.9%-44.2pp |
| Annual return | -19.22% | -13.99%-5.2pp | 16.94%-36.2pp | -7.85%-11.4pp |
| Employer contribution / active EE | $239 | $1,979-87.9% | $2,703-91.2% | $2,597-90.8% |
| Participant deferral / active EE | $1,385 | $2,866-51.7% | $3,814-63.7% | $4,028-65.6% |
| Admin fee / account holder | $543 | $3,104-82.5% | $3,227-83.2% | $5,404-90.0% |