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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 | $11,628 | $37,440-68.9% | $77,081-84.9% | $66,930-82.6% |
| Participation rate | 5.1% | 52.9%-47.8pp | 67.9%-62.8pp | 69.8%-64.7pp |
| Annual return | -27.66% | -3.26%-24.4pp | 42.33%-70.0pp | 1.57%-29.2pp |
| Employer contribution / active EE | $0 | $1,534-100.0% | $2,813-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $958 | $2,620-63.4% | $4,428-78.4% | $4,238-77.4% |
| Admin fee / account holder | $456 | $568-19.6% | $5,427-91.6% | $593-23.1% |