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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 | $16,730 | $75,962-78.0% | $154,111-89.1% | $64,173-73.9% |
| Participation rate | 25.0% | 70.4%-45.4pp | 83.0%-58.0pp | 69.6%-44.6pp |
| Annual return | -12.72% | 30.32%-43.0pp | 735.18%-747.9pp | 7.63%-20.4pp |
| Employer contribution / active EE | $212 | $3,350-93.7% | $5,298-96.0% | $2,381-91.1% |
| Participant deferral / active EE | $1,822 | $3,175-42.6% | $5,081-64.1% | $3,470-47.5% |
| Admin fee / account holder | $437 | $5,589-92.2% | $13,411-96.7% | $4,887-91.1% |