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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 | $12,663 | $47,479-73.3% | $62,929-79.9% | $82,448-84.6% |
| Participation rate | 17.6% | 66.9%-49.2pp | 73.1%-55.5pp | 68.1%-50.4pp |
| Annual return | -11.67% | 20.34%-32.0pp | 1063.93%-1075.6pp | 41.64%-53.3pp |
| Employer contribution / active EE | $287 | $1,885-84.8% | $2,505-88.5% | $2,551-88.8% |
| Participant deferral / active EE | $910 | $2,870-68.3% | $3,888-76.6% | $4,139-78.0% |
| Admin fee / account holder | $3,287 | $3,804-13.6% | $5,065-35.1% | $7,234-54.6% |