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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 | $30,595 | $57,352-46.7% | $83,831-63.5% | $64,173-52.3% |
| Participation rate | 27.6% | 68.6%-41.0pp | 76.1%-48.6pp | 69.6%-42.0pp |
| Annual return | -8.66% | 11.38%-20.0pp | 850.99%-859.7pp | 7.63%-16.3pp |
| Employer contribution / active EE | $275 | $2,546-89.2% | $3,631-92.4% | $2,381-88.4% |
| Participant deferral / active EE | $1,523 | $2,993-49.1% | $4,082-62.7% | $3,470-56.1% |
| Admin fee / account holder | $405 | $4,046-90.0% | $5,479-92.6% | $4,887-91.7% |