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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 | $11,976 | $54,355-78.0% | $82,744-85.5% | $68,486-82.5% |
| Participation rate | 11.1% | 63.9%-52.8pp | 72.6%-61.5pp | 67.9%-56.8pp |
| Annual return | -48.31% | -13.67%-34.6pp | 702.22%-750.5pp | -7.85%-40.5pp |
| Employer contribution / active EE | $140 | $2,219-93.7% | $3,008-95.3% | $2,597-94.6% |
| Participant deferral / active EE | $925 | $3,246-71.5% | $4,395-79.0% | $4,028-77.0% |
| Admin fee / account holder | $1,698 | $4,397-61.4% | $5,325-68.1% | $5,404-68.6% |