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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 | $39,543 | $75,832-47.9% | $147,617-73.2% | $59,633-33.7% |
| Participation rate | 11.8% | 71.6%-59.8pp | 84.6%-72.9pp | 68.7%-56.9pp |
| Annual return | -3.13% | 0.37%-3.5pp | 61.98%-65.1pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $328 | $3,485-90.6% | $5,564-94.1% | $2,203-85.1% |
| Participant deferral / active EE | $876 | $3,131-72.0% | $4,895-82.1% | $3,192-72.6% |
| Admin fee / account holder | $4,300 | $5,986-28.2% | $11,612-63.0% | $4,297+0.1% |