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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 | $12,002 | $73,848-83.7% | $143,799-91.7% | $68,486-82.5% |
| Participation rate | 26.9% | 66.7%-39.7pp | 80.3%-53.4pp | 67.9%-41.0pp |
| Annual return | -19.50% | 0.91%-20.4pp | -0.04%-19.5pp | -7.85%-11.6pp |
| Employer contribution / active EE | $126 | $3,184-96.0% | $4,952-97.5% | $2,597-95.1% |
| Participant deferral / active EE | $1,038 | $3,385-69.3% | $5,638-81.6% | $4,028-74.2% |
| Admin fee / account holder | $2,075 | $5,755-63.9% | $14,677-85.9% | $5,404-61.6% |