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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 | $30,921 | $26,805+15.4% | $59,496-48.0% | $52,331-40.9% |
| Participation rate | 6.4% | 39.3%-32.9pp | 54.6%-48.1pp | 68.1%-61.7pp |
| Annual return | -3.74% | 2.61%-6.4pp | 182.05%-185.8pp | 4.54%-8.3pp |
| Employer contribution / active EE | $0 | $450-100.0% | $1,153-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $435 | $916-52.5% | $1,829-76.2% | $3,022-85.6% |
| Admin fee / account holder | $2,153 | $305+606.1% | $2,232-3.6% | $592+263.9% |