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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 | $29,412 | $75,962-61.3% | $154,111-80.9% | $64,173-54.2% |
| Participation rate | 37.5% | 70.4%-32.9pp | 83.0%-45.5pp | 69.6%-32.1pp |
| Annual return | -8.57% | 30.32%-38.9pp | 735.18%-743.7pp | 7.63%-16.2pp |
| Employer contribution / active EE | $252 | $3,350-92.5% | $5,298-95.2% | $2,381-89.4% |
| Participant deferral / active EE | $1,800 | $3,175-43.3% | $5,081-64.6% | $3,470-48.1% |
| Admin fee / account holder | $730 | $5,589-86.9% | $13,411-94.6% | $4,887-85.1% |