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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 | $40,996 | $142,361-71.2% | $119,608-65.7% | $134,509-69.5% |
| Participation rate | 40.9% | 82.8%-41.9pp | 79.3%-38.4pp | 81.2%-40.3pp |
| Annual return | -20.94% | -12.46%-8.5pp | -14.98%-6.0pp | 418.13%-439.1pp |
| Employer contribution / active EE | $1,008 | $5,224-80.7% | $4,232-76.2% | $4,741-78.7% |
| Participant deferral / active EE | $4,226 | $6,468-34.7% | $5,601-24.6% | $6,400-34.0% |
| Admin fee / account holder | $3,203 | $13,588-76.4% | $10,326-69.0% | $11,427-72.0% |