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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 | $6,088 | $32,117-81.0% | $71,086-91.4% | $64,181-90.5% |
| Participation rate | 18.8% | 42.7%-23.9pp | 54.7%-35.9pp | 69.6%-50.8pp |
| Annual return | -24.70% | -5.57%-19.1pp | 650.59%-675.3pp | 7.63%-32.3pp |
| Employer contribution / active EE | $80 | $712-88.7% | $1,088-92.6% | $2,381-96.6% |
| Participant deferral / active EE | $921 | $1,263-27.1% | $1,874-50.9% | $3,470-73.4% |
| Admin fee / account holder | $1,540 | $2,759-44.2% | $3,082-50.0% | $4,887-68.5% |