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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 | $22,175 | $83,337-73.4% | $67,834-67.3% | $273,972-91.9% |
| Participation rate | 31.6% | 76.4%-44.9pp | 68.8%-37.2pp | 83.0%-51.4pp |
| Annual return | -0.89% | 259.45%-260.3pp | 138.47%-139.4pp | 41.46%-42.3pp |
| Employer contribution / active EE | $405 | $3,287-87.7% | $2,403-83.1% | $4,869-91.7% |
| Participant deferral / active EE | $1,151 | $4,088-71.8% | $3,160-63.6% | $5,287-78.2% |
| Admin fee / account holder | $6,595 | $6,752-2.3% | $4,622+42.7% | $10,133-34.9% |