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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 | $13,749 | $63,471-78.3% | $68,808-80.0% | $66,938-79.5% |
| Participation rate | 39.3% | 60.0%-20.7pp | 69.0%-29.7pp | 69.8%-30.5pp |
| Annual return | -19.43% | -8.29%-11.1pp | -6.37%-13.1pp | 1.58%-21.0pp |
| Employer contribution / active EE | $327 | $1,776-81.6% | $2,656-87.7% | $2,545-87.2% |
| Participant deferral / active EE | $1,908 | $2,946-35.2% | $3,942-51.6% | $4,238-55.0% |
| Admin fee / account holder | $1,447 | $578+150.5% | $4,936-70.7% | $594+143.9% |