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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 | $8,418 | $85,060-90.1% | $70,548-88.1% | $139,456-94.0% |
| Participation rate | 29.4% | 73.9%-44.5pp | 68.3%-38.9pp | 80.3%-50.9pp |
| Annual return | -9.10% | 30.38%-39.5pp | 32.78%-41.9pp | 373.45%-382.6pp |
| Employer contribution / active EE | $360 | $3,911-90.8% | $2,975-87.9% | $4,753-92.4% |
| Participant deferral / active EE | $1,752 | $5,890-70.3% | $4,567-61.6% | $6,711-73.9% |
| Admin fee / account holder | $697 | $8,925-92.2% | $6,424-89.1% | $11,407-93.9% |