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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 | $21,997 | $167,353-86.9% | $143,797-84.7% | $134,545-83.7% |
| Participation rate | 44.4% | 84.8%-40.4pp | 80.3%-35.9pp | 81.2%-36.8pp |
| Annual return | -21.06% | 0.48%-21.5pp | -0.04%-21.0pp | 418.37%-439.4pp |
| Employer contribution / active EE | $626 | $5,620-88.9% | $4,952-87.4% | $4,742-86.8% |
| Participant deferral / active EE | $2,282 | $6,447-64.6% | $5,638-59.5% | $6,401-64.4% |
| Admin fee / account holder | $10,596 | $18,096-41.4% | $14,679-27.8% | $11,431-7.3% |