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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 | $29,808 | $167,522-82.2% | $151,639-80.3% | $134,532-77.8% |
| Participation rate | 42.9% | 88.4%-45.5pp | 87.5%-44.6pp | 81.2%-38.4pp |
| Annual return | -28.67% | 7.81%-36.5pp | 3.34%-32.0pp | 418.27%-446.9pp |
| Employer contribution / active EE | $1,342 | $6,828-80.3% | $6,165-78.2% | $4,741-71.7% |
| Participant deferral / active EE | $3,964 | $8,986-55.9% | $8,363-52.6% | $6,401-38.1% |
| Admin fee / account holder | $664 | $13,780-95.2% | $11,613-94.3% | $11,429-94.2% |