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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 | $72,649 | $131,835-44.9% | $108,582-33.1% | $273,972-73.5% |
| Participation rate | 9.1% | 83.5%-74.4pp | 79.6%-70.5pp | 83.0%-73.9pp |
| Annual return | -2.20% | -91.57%+89.4pp | -51.70%+49.5pp | 41.46%-43.7pp |
| Employer contribution / active EE | $759 | $4,913-84.5% | $3,758-79.8% | $4,869-84.4% |
| Participant deferral / active EE | $1,595 | $5,127-68.9% | $4,311-63.0% | $5,287-69.8% |
| Admin fee / account holder | $5,669 | $10,253-44.7% | $7,645-25.8% | $10,133-44.1% |