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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 | $11,266 | $49,897-77.4% | $80,648-86.0% | $75,177-85.0% |
| Participation rate | 27.8% | 55.3%-27.6pp | 67.0%-39.2pp | 67.2%-39.4pp |
| Annual return | -20.71% | 34.68%-55.4pp | 937.21%-957.9pp | 160.75%-181.5pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,724-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,316 | $2,992-56.0% | $4,443-70.4% | $4,126-68.1% |
| Admin fee / account holder | $3,995 | $3,579+11.6% | $5,382-25.8% | $5,651-29.3% |