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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 | $45,248 | $82,678-45.3% | $125,391-63.9% | $68,490-33.9% |
| Participation rate | 25.0% | 75.1%-50.1pp | 82.4%-57.4pp | 67.9%-42.9pp |
| Annual return | -31.22% | -5.97%-25.2pp | 572.41%-603.6pp | -7.85%-23.4pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $7,468 | $6,111+22.2% | $7,448+0.3% | $4,028+85.4% |
| Admin fee / account holder | $4,797 | $6,277-23.6% | $10,009-52.1% | $5,403-11.2% |