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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 | $22,449 | $82,678-72.8% | $125,391-82.1% | $68,490-67.2% |
| Participation rate | 64.5% | 75.1%-10.5pp | 82.4%-17.9pp | 67.9%-3.4pp |
| Annual return | -24.17% | -5.97%-18.2pp | 572.41%-596.6pp | -7.85%-16.3pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $9,547 | $6,111+56.2% | $7,448+28.2% | $4,028+137.0% |
| Admin fee / account holder | $3,105 | $6,277-50.5% | $10,009-69.0% | $5,403-42.5% |