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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 | $11,001 | $42,909-74.4% | $60,906-81.9% | $68,486-83.9% |
| Participation rate | 39.3% | 66.8%-27.5pp | 73.1%-33.8pp | 67.9%-28.6pp |
| Annual return | -26.66% | -13.99%-12.7pp | 16.94%-43.6pp | -7.85%-18.8pp |
| Employer contribution / active EE | $250 | $1,979-87.4% | $2,703-90.8% | $2,597-90.4% |
| Participant deferral / active EE | $3,773 | $2,866+31.6% | $3,814-1.1% | $4,028-6.3% |
| Admin fee / account holder | $1,379 | $3,104-55.6% | $3,227-57.3% | $5,404-74.5% |