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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 | $23,579 | $46,599-49.4% | $64,101-63.2% | $75,173-68.6% |
| Participation rate | 11.5% | 65.9%-54.4pp | 72.3%-60.8pp | 67.2%-55.7pp |
| Annual return | -16.34% | 26.06%-42.4pp | 33.72%-50.1pp | 160.72%-177.1pp |
| Employer contribution / active EE | $360 | $1,975-81.8% | $2,749-86.9% | $2,671-86.5% |
| Participant deferral / active EE | $1,060 | $2,837-62.6% | $3,881-72.7% | $4,126-74.3% |
| Admin fee / account holder | $5,475 | $2,956+85.2% | $3,070+78.3% | $5,651-3.1% |