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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 | $43,292 | $73,863-41.4% | $143,797-69.9% | $68,490-36.8% |
| Participation rate | 4.5% | 66.7%-62.1pp | 80.3%-75.8pp | 67.9%-63.4pp |
| Annual return | -20.28% | 0.91%-21.2pp | -0.04%-20.2pp | -7.85%-12.4pp |
| Employer contribution / active EE | $54 | $3,185-98.3% | $4,952-98.9% | $2,597-97.9% |
| Participant deferral / active EE | $949 | $3,385-72.0% | $5,638-83.2% | $4,028-76.4% |
| Admin fee / account holder | $817 | $5,756-85.8% | $14,679-94.4% | $5,403-84.9% |