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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 | $16,749 | $46,697-64.1% | $117,529-85.7% | $68,490-75.5% |
| Participation rate | 53.0% | 56.8%-3.8pp | 70.6%-17.6pp | 67.9%-14.9pp |
| Annual return | -21.15% | -14.52%-6.6pp | 29.77%-50.9pp | -7.85%-13.3pp |
| Employer contribution / active EE | $220 | $1,506-85.4% | $4,179-94.7% | $2,597-91.5% |
| Participant deferral / active EE | $1,612 | $2,637-38.9% | $4,072-60.4% | $4,028-60.0% |
| Admin fee / account holder | $2,263 | $4,023-43.7% | $5,645-59.9% | $5,403-58.1% |