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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 | $23,576 | $97,881-75.9% | $80,004-70.5% | $125,389-81.2% |
| Participation rate | 42.9% | 77.9%-35.0pp | 73.0%-30.2pp | 83.2%-40.3pp |
| Annual return | -9.70% | 9.36%-19.1pp | 7.63%-17.3pp | 282.24%-291.9pp |
| Employer contribution / active EE | $105 | $3,128-96.6% | $2,473-95.8% | $4,866-97.8% |
| Participant deferral / active EE | $2,769 | $3,744-26.1% | $3,204-13.6% | $5,352-48.3% |
| Admin fee / account holder | $850 | $6,278-86.5% | $5,033-83.1% | $9,541-91.1% |