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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 | $70,272 | $117,623-40.3% | $71,702-2.0% | $134,509-47.8% |
| Participation rate | 12.5% | 68.9%-56.4pp | 62.3%-49.8pp | 81.2%-68.7pp |
| Annual return | -24.88% | 25.44%-50.3pp | 9.14%-34.0pp | 418.13%-443.0pp |
| Employer contribution / active EE | $94 | $2,525-96.3% | $1,704-94.5% | $4,741-98.0% |
| Participant deferral / active EE | $2,367 | $3,759-37.0% | $2,658-10.9% | $6,400-63.0% |
| Admin fee / account holder | $835 | $6,379-86.9% | $3,974-79.0% | $11,427-92.7% |