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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 | $5,786 | $82,288-93.0% | $68,794-91.6% | $134,509-95.7% |
| Participation rate | 31.8% | 75.1%-43.2pp | 69.0%-37.2pp | 81.2%-49.4pp |
| Annual return | -40.18% | -2.19%-38.0pp | -6.37%-33.8pp | 418.13%-458.3pp |
| Employer contribution / active EE | $429 | $3,301-87.0% | $2,656-83.9% | $4,741-91.0% |
| Participant deferral / active EE | $1,380 | $4,738-70.9% | $3,941-65.0% | $6,400-78.4% |
| Admin fee / account holder | $664 | $6,482-89.8% | $4,934-86.6% | $11,427-94.2% |