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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 | $31,985 | $91,537-65.1% | $130,045-75.4% | $75,173-57.5% |
| Participation rate | 47.3% | 71.5%-24.2pp | 78.5%-31.2pp | 67.2%-20.0pp |
| Annual return | 5.12% | -631.55%+636.7pp | -137.30%+142.4pp | 160.72%-155.6pp |
| Employer contribution / active EE | $722 | $2,845-74.6% | $4,321-83.3% | $2,671-73.0% |
| Participant deferral / active EE | $2,118 | $4,343-51.2% | $5,820-63.6% | $4,126-48.7% |
| Admin fee / account holder | $19,697 | $6,780+190.5% | $10,600+85.8% | $5,651+248.6% |