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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 | $39,615 | $54,370-27.1% | $82,763-52.1% | $68,490-42.2% |
| Participation rate | 21.9% | 63.9%-42.1pp | 72.6%-50.7pp | 67.9%-46.0pp |
| Annual return | -20.86% | -13.67%-7.2pp | 702.45%-723.3pp | -7.85%-13.0pp |
| Employer contribution / active EE | $189 | $2,219-91.5% | $3,008-93.7% | $2,597-92.7% |
| Participant deferral / active EE | $1,892 | $3,247-41.7% | $4,395-57.0% | $4,028-53.0% |
| Admin fee / account holder | $15,505 | $4,398+252.5% | $5,325+191.2% | $5,403+187.0% |