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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 | $20,336 | $49,177-58.6% | $79,467-74.4% | $64,173-68.3% |
| Participation rate | 28.3% | 65.0%-36.8pp | 73.3%-45.1pp | 69.6%-41.3pp |
| Annual return | -13.51% | -1.16%-12.4pp | 718.30%-731.8pp | 7.63%-21.1pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,907 | $2,821-32.4% | $3,704-48.5% | $3,470-45.1% |
| Admin fee / account holder | $1,891 | $3,839-50.7% | $5,104-63.0% | $4,887-61.3% |