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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 | $22,010 | $96,678-77.2% | $86,640-74.6% | $139,466-84.2% |
| Participation rate | 20.8% | 74.4%-53.6pp | 71.7%-50.9pp | 80.3%-59.5pp |
| Annual return | -27.67% | 106.69%-134.4pp | 592.52%-620.2pp | 373.66%-401.3pp |
| Employer contribution / active EE | $0 | $3,265-100.0% | $3,024-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $3,384 | $4,837-30.0% | $4,438-23.8% | $6,712-49.6% |
| Admin fee / account holder | $6,287 | $6,410-1.9% | $5,616+11.9% | $11,409-44.9% |