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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 | $22,088 | $54,355-59.4% | $82,744-73.3% | $68,486-67.7% |
| Participation rate | 27.5% | 63.9%-36.4pp | 72.6%-45.1pp | 67.9%-40.4pp |
| Annual return | -21.81% | -13.67%-8.1pp | 702.22%-724.0pp | -7.85%-14.0pp |
| Employer contribution / active EE | $233 | $2,219-89.5% | $3,008-92.2% | $2,597-91.0% |
| Participant deferral / active EE | $1,276 | $3,246-60.7% | $4,395-71.0% | $4,028-68.3% |
| Admin fee / account holder | $564 | $4,397-87.2% | $5,325-89.4% | $5,404-89.6% |