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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 | $28,135 | $49,280-42.9% | $67,313-58.2% | $64,181-56.2% |
| Participation rate | 16.2% | 60.8%-44.6pp | 69.1%-52.9pp | 69.6%-53.4pp |
| Annual return | -8.75% | -1.39%-7.4pp | -4.08%-4.7pp | 7.63%-16.4pp |
| Employer contribution / active EE | $1 | $1,668-99.9% | $2,566-99.9% | $2,381-99.9% |
| Participant deferral / active EE | $1,411 | $2,484-43.2% | $3,568-60.5% | $3,470-59.3% |
| Admin fee / account holder | $7,685 | $3,863+99.0% | $4,507+70.5% | $4,887+57.2% |