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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 | $12,971 | $73,839-82.4% | $143,788-91.0% | $68,495-81.1% |
| Participation rate | 55.8% | 66.7%-10.9pp | 80.3%-24.5pp | 67.9%-12.1pp |
| Annual return | -22.26% | 1.01%-23.3pp | -0.03%-22.2pp | -7.84%-14.4pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,734 | $3,384-19.2% | $5,638-51.5% | $4,028-32.1% |
| Admin fee / account holder | $479 | $5,755-91.7% | $14,675-96.7% | $5,403-91.1% |