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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 | $25,284 | $49,451-48.9% | $79,580-68.2% | $66,938-62.2% |
| Participation rate | 44.6% | 61.3%-16.8pp | 69.5%-24.9pp | 69.8%-25.3pp |
| Annual return | -21.04% | 84.25%-105.3pp | 0.15%-21.2pp | 1.58%-22.6pp |
| Employer contribution / active EE | $309 | $1,266-75.6% | $2,413-87.2% | $2,545-87.9% |
| Participant deferral / active EE | $1,882 | $3,159-40.4% | $3,985-52.8% | $4,238-55.6% |
| Admin fee / account holder | $601 | $595+1.1% | $6,835-91.2% | $594+1.3% |