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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 | $21,997 | $68,996-68.1% | $159,991-86.3% | $68,495-67.9% |
| Participation rate | 39.2% | 65.4%-26.2pp | 78.0%-38.8pp | 67.9%-28.7pp |
| Annual return | -21.10% | -9.65%-11.5pp | 408.82%-429.9pp | -7.84%-13.3pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,225-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,195 | $4,211-47.9% | $6,183-64.5% | $4,028-45.5% |
| Admin fee / account holder | $515 | $4,797-89.3% | $8,715-94.1% | $5,403-90.5% |