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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 | $39,172 | $58,888-33.5% | $178,498-78.1% | $73,493-46.7% |
| Participation rate | 16.7% | 66.2%-49.6pp | 81.9%-65.3pp | 70.7%-54.0pp |
| Annual return | -5.84% | 24.86%-30.7pp | 151.09%-156.9pp | 28.51%-34.4pp |
| Employer contribution / active EE | $313 | $2,236-86.0% | $5,011-93.8% | $2,270-86.2% |
| Participant deferral / active EE | $981 | $2,568-61.8% | $5,202-81.1% | $3,740-73.8% |
| Admin fee / account holder | $2,580 | $400+544.4% | $13,985-81.6% | $513+402.8% |