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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 | $25,086 | $93,346-73.1% | $71,796-65.1% | $273,972-90.8% |
| Participation rate | 42.1% | 76.5%-34.4pp | 69.1%-27.0pp | 83.0%-40.9pp |
| Annual return | -3.80% | 130.39%-134.2pp | 78.04%-81.8pp | 41.46%-45.3pp |
| Employer contribution / active EE | -$0 | $2,733-100.0% | $1,924-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,633 | $3,475-53.0% | $2,794-41.5% | $5,287-69.1% |
| Admin fee / account holder | $3,176 | $6,571-51.7% | $4,815-34.0% | $10,133-68.7% |