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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 | $61,977 | $174,379-64.5% | $152,093-59.3% | $138,895-55.4% |
| Participation rate | 50.0% | 81.6%-31.6pp | 77.8%-27.8pp | 79.9%-29.9pp |
| Annual return | -2.76% | 74.86%-77.6pp | 66.36%-69.1pp | 145.39%-148.1pp |
| Employer contribution / active EE | $775 | $4,652-83.3% | $4,175-81.4% | $4,194-81.5% |
| Participant deferral / active EE | $3,574 | $6,159-42.0% | $5,451-34.4% | $6,396-44.1% |
| Admin fee / account holder | $17,189 | $16,880+1.8% | $14,497+18.6% | $12,562+36.8% |