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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 | $34,026 | $88,710-61.6% | $81,783-58.4% | $145,959-76.7% |
| Participation rate | 28.6% | 75.0%-46.5pp | 72.4%-43.8pp | 80.3%-51.7pp |
| Annual return | -18.10% | 1027.26%-1045.4pp | 775.05%-793.2pp | 561.95%-580.0pp |
| Employer contribution / active EE | $257 | $3,083-91.7% | $2,913-91.2% | $4,661-94.5% |
| Participant deferral / active EE | $2,217 | $4,645-52.3% | $4,320-48.7% | $6,689-66.9% |
| Admin fee / account holder | $9,777 | $8,407+16.3% | $7,380+32.5% | $13,398-27.0% |