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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 | $20,838 | $65,092-68.0% | $143,799-85.5% | $66,938-68.9% |
| Participation rate | 48.1% | 65.2%-17.1pp | 80.3%-32.2pp | 69.8%-21.7pp |
| Annual return | -20.79% | -11.14%-9.7pp | -0.04%-20.7pp | 1.58%-22.4pp |
| Employer contribution / active EE | $380 | $2,362-83.9% | $4,952-92.3% | $2,545-85.1% |
| Participant deferral / active EE | $2,580 | $2,920-11.6% | $5,638-54.2% | $4,238-39.1% |
| Admin fee / account holder | $1,013 | $502+101.7% | $14,677-93.1% | $594+70.8% |