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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 | $49,407 | $100,805-51.0% | $86,698-43.0% | $134,532-63.3% |
| Participation rate | 33.3% | 79.0%-45.6pp | 76.6%-43.3pp | 81.2%-47.9pp |
| Annual return | -24.01% | 29.09%-53.1pp | 35.95%-60.0pp | 418.27%-442.3pp |
| Employer contribution / active EE | $323 | $3,490-90.8% | $2,837-88.6% | $4,741-93.2% |
| Participant deferral / active EE | $1,905 | $5,339-64.3% | $4,656-59.1% | $6,401-70.2% |
| Admin fee / account holder | $5,886 | $10,925-46.1% | $7,493-21.4% | $11,429-48.5% |