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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 | $22,854 | $50,947-55.1% | $74,551-69.3% | $64,173-64.4% |
| Participation rate | 22.2% | 61.1%-38.8pp | 69.1%-46.9pp | 69.6%-47.3pp |
| Annual return | -16.63% | -1.85%-14.8pp | 32.53%-49.2pp | 7.63%-24.3pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,354 | $2,302-41.2% | $3,108-56.4% | $3,470-61.0% |
| Admin fee / account holder | $974 | $4,221-76.9% | $5,059-80.8% | $4,887-80.1% |