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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 | $69,256 | $82,678-16.2% | $125,391-44.8% | $68,490+1.1% |
| Participation rate | 68.6% | 75.1%-6.4pp | 82.4%-13.8pp | 67.9%+0.7pp |
| Annual return | -19.48% | -5.97%-13.5pp | 572.41%-591.9pp | -7.85%-11.6pp |
| Employer contribution / active EE | $628 | $3,382-81.4% | $4,816-87.0% | $2,597-75.8% |
| Participant deferral / active EE | $4,292 | $6,111-29.8% | $7,448-42.4% | $4,028+6.6% |
| Admin fee / account holder | $429 | $6,277-93.2% | $10,009-95.7% | $5,403-92.1% |