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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 | $30,622 | $82,674-63.0% | $125,381-75.6% | $68,486-55.3% |
| Participation rate | 19.4% | 75.1%-55.6pp | 82.4%-62.9pp | 67.9%-48.4pp |
| Annual return | -32.30% | -5.97%-26.3pp | 572.31%-604.6pp | -7.85%-24.4pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,011 | $6,111-50.7% | $7,448-59.6% | $4,028-25.2% |
| Admin fee / account holder | $6,726 | $6,277+7.2% | $10,007-32.8% | $5,404+24.5% |