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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 | $19,062 | $75,962-74.9% | $154,108-87.6% | $64,173-70.3% |
| Participation rate | 28.6% | 70.4%-41.8pp | 83.0%-54.5pp | 69.6%-41.0pp |
| Annual return | -8.65% | 30.32%-39.0pp | 735.21%-743.9pp | 7.63%-16.3pp |
| Employer contribution / active EE | $381 | $3,350-88.6% | $5,298-92.8% | $2,381-84.0% |
| Participant deferral / active EE | $1,430 | $3,175-55.0% | $5,081-71.9% | $3,470-58.8% |
| Admin fee / account holder | $784 | $5,589-86.0% | $13,411-94.2% | $4,887-84.0% |