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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 | $24,559 | $64,719-62.1% | $112,249-78.1% | $68,486-64.1% |
| Participation rate | 29.3% | 67.2%-37.9pp | 75.1%-45.8pp | 67.9%-38.6pp |
| Annual return | -21.58% | -11.40%-10.2pp | 27.48%-49.1pp | -7.85%-13.7pp |
| Employer contribution / active EE | $647 | $2,747-76.4% | $3,636-82.2% | $2,597-75.1% |
| Participant deferral / active EE | $1,569 | $3,565-56.0% | $4,729-66.8% | $4,028-61.1% |
| Admin fee / account holder | $470 | $5,232-91.0% | $6,412-92.7% | $5,404-91.3% |