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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 | $23,763 | $138,075-82.8% | $123,552-80.8% | $135,379-82.4% |
| Participation rate | 18.2% | 84.7%-66.6pp | 82.3%-64.1pp | 82.6%-64.5pp |
| Annual return | -14.83% | 153.70%-168.5pp | 119.20%-134.0pp | 519.79%-534.6pp |
| Employer contribution / active EE | $679 | $5,152-86.8% | $4,628-85.3% | $4,779-85.8% |
| Participant deferral / active EE | $5,304 | $6,800-22.0% | $6,426-17.5% | $5,609-5.4% |
| Admin fee / account holder | $8,909 | $10,917-18.4% | $9,285-4.0% | $10,828-17.7% |