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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 | $10,240 | $73,863-86.1% | $143,797-92.9% | $68,490-85.0% |
| Participation rate | 34.0% | 66.7%-32.6pp | 80.3%-46.3pp | 67.9%-33.9pp |
| Annual return | -19.53% | 0.91%-20.4pp | -0.04%-19.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $340 | $3,185-89.3% | $4,952-93.1% | $2,597-86.9% |
| Participant deferral / active EE | $1,012 | $3,385-70.1% | $5,638-82.0% | $4,028-74.9% |
| Admin fee / account holder | $475 | $5,756-91.8% | $14,679-96.8% | $5,403-91.2% |