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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 | $19,619 | $82,674-76.3% | $125,381-84.4% | $68,486-71.4% |
| Participation rate | 37.0% | 75.1%-38.0pp | 82.4%-45.3pp | 67.9%-30.9pp |
| Annual return | -22.35% | -5.97%-16.4pp | 572.31%-594.7pp | -7.85%-14.5pp |
| Employer contribution / active EE | $377 | $3,382-88.9% | $4,815-92.2% | $2,597-85.5% |
| Participant deferral / active EE | $4,417 | $6,111-27.7% | $7,448-40.7% | $4,028+9.7% |
| Admin fee / account holder | $5,423 | $6,277-13.6% | $10,007-45.8% | $5,404+0.4% |