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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 | $30,728 | $42,383-27.5% | $76,518-59.8% | $64,173-52.1% |
| Participation rate | 62.1% | 58.1%+3.9pp | 68.0%-5.9pp | 69.6%-7.5pp |
| Annual return | -9.72% | -16.54%+6.8pp | -0.27%-9.5pp | 7.63%-17.4pp |
| Employer contribution / active EE | $1 | $1,563-99.9% | $2,647-100.0% | $2,381-99.9% |
| Participant deferral / active EE | $6,351 | $2,566+147.5% | $3,836+65.6% | $3,470+83.0% |
| Admin fee / account holder | $607 | $3,198-81.0% | $4,849-87.5% | $4,887-87.6% |