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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 | $24,025 | $110,410-78.2% | $102,437-76.5% | $145,897-83.5% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | -7.16% | 24.85%-32.0pp | 24.95%-32.1pp | 552.29%-559.4pp |
| Employer contribution / active EE | $78 | $4,217-98.2% | $3,871-98.0% | $4,663-98.3% |
| Participant deferral / active EE | $3,120 | $5,622-44.5% | $5,060-38.3% | $6,689-53.4% |
| Admin fee / account holder | $3,153 | $9,745-67.6% | $8,388-62.4% | $13,390-76.5% |