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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 | $14,991 | $49,177-69.5% | $79,467-81.1% | $64,173-76.6% |
| Participation rate | 30.0% | 65.0%-35.0pp | 73.3%-43.3pp | 69.6%-39.6pp |
| Annual return | -8.56% | -1.16%-7.4pp | 718.30%-726.9pp | 7.63%-16.2pp |
| Employer contribution / active EE | $141 | $2,076-93.2% | $2,800-95.0% | $2,381-94.1% |
| Participant deferral / active EE | $1,827 | $2,821-35.2% | $3,704-50.7% | $3,470-47.3% |
| Admin fee / account holder | $559 | $3,839-85.4% | $5,104-89.1% | $4,887-88.6% |