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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 | $15,803 | $65,083-75.7% | $143,788-89.0% | $66,930-76.4% |
| Participation rate | 33.3% | 65.2%-31.9pp | 80.3%-47.0pp | 69.8%-36.5pp |
| Annual return | -23.40% | -11.13%-12.3pp | -0.03%-23.4pp | 1.57%-25.0pp |
| Employer contribution / active EE | $400 | $2,361-83.1% | $4,952-91.9% | $2,545-84.3% |
| Participant deferral / active EE | $1,634 | $2,920-44.0% | $5,638-71.0% | $4,238-61.4% |
| Admin fee / account holder | $1,440 | $502+186.7% | $14,675-90.2% | $593+142.7% |