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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 | $22,148 | $46,732-52.6% | $156,551-85.9% | $55,167-59.9% |
| Participation rate | 56.9% | 65.8%-8.9pp | 84.0%-27.2pp | 69.0%-12.1pp |
| Annual return | -14.18% | 17.72%-31.9pp | 32.23%-46.4pp | 169.23%-183.4pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,449 | $2,204+11.1% | $4,871-49.7% | $3,054-19.8% |
| Admin fee / account holder | $682 | $418+62.9% | $13,028-94.8% | $504+35.3% |