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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 | $69,680 | $92,219-24.4% | $76,766-9.2% | $135,382-48.5% |
| Participation rate | 42.9% | 79.8%-36.9pp | 77.0%-34.1pp | 82.6%-39.8pp |
| Annual return | -11.37% | 5.46%-16.8pp | 2.43%-13.8pp | 519.77%-531.1pp |
| Employer contribution / active EE | $324 | $3,216-89.9% | $2,485-87.0% | $4,779-93.2% |
| Participant deferral / active EE | $8,066 | $4,508+78.9% | $3,851+109.4% | $5,609+43.8% |
| Admin fee / account holder | $660 | $10,749-93.9% | $6,675-90.1% | $10,829-93.9% |