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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 | $51,392 | $110,240-53.4% | $96,544-46.8% | $139,487-63.2% |
| Participation rate | 16.7% | 78.1%-61.5pp | 76.0%-59.3pp | 80.3%-63.7pp |
| Annual return | -62.02% | 26.41%-88.4pp | 25.88%-87.9pp | 373.84%-435.9pp |
| Employer contribution / active EE | $146 | $3,622-96.0% | $2,966-95.1% | $4,755-96.9% |
| Participant deferral / active EE | $7,000 | $5,549+26.2% | $4,851+44.3% | $6,713+4.3% |
| Admin fee / account holder | $18,770 | $11,602+61.8% | $8,254+127.4% | $11,407+64.5% |