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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 | $21,617 | $52,519-58.8% | $155,789-86.1% | $59,633-63.7% |
| Participation rate | 48.9% | 61.7%-12.8pp | 76.1%-27.2pp | 68.7%-19.7pp |
| Annual return | -3.15% | 53.51%-56.7pp | 71.54%-74.7pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $94 | $1,589-94.1% | $3,839-97.6% | $2,203-95.7% |
| Participant deferral / active EE | $1,932 | $3,084-37.4% | $4,798-59.7% | $3,192-39.5% |
| Admin fee / account holder | $455 | $3,540-87.1% | $7,477-93.9% | $4,297-89.4% |