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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 | $21,634 | $57,350-62.3% | $83,850-74.2% | $64,181-66.3% |
| Participation rate | 65.0% | 68.6%-3.6pp | 76.1%-11.1pp | 69.6%-4.6pp |
| Annual return | -9.58% | 11.38%-21.0pp | 850.92%-860.5pp | 7.63%-17.2pp |
| Employer contribution / active EE | $346 | $2,545-86.4% | $3,631-90.5% | $2,381-85.5% |
| Participant deferral / active EE | $2,199 | $2,993-26.5% | $4,082-46.1% | $3,470-36.6% |
| Admin fee / account holder | $1,446 | $4,046-64.2% | $5,478-73.6% | $4,887-70.4% |