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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 | $59,847 | $32,117+86.3% | $71,086-15.8% | $64,181-6.8% |
| Participation rate | 29.7% | 42.7%-13.0pp | 54.7%-25.0pp | 69.6%-39.9pp |
| Annual return | -12.27% | -5.57%-6.7pp | 650.59%-662.9pp | 7.63%-19.9pp |
| Employer contribution / active EE | $0 | $712-100.0% | $1,088-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $575 | $1,263-54.5% | $1,874-69.3% | $3,470-83.4% |
| Admin fee / account holder | $3,433 | $2,759+24.4% | $3,082+11.4% | $4,887-29.8% |