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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 | $48,740 | $168,635-71.1% | $147,617-67.0% | $125,389-61.1% |
| Participation rate | 36.4% | 88.8%-52.4pp | 84.6%-48.3pp | 83.2%-46.8pp |
| Annual return | -6.63% | 77.65%-84.3pp | 61.98%-68.6pp | 282.24%-288.9pp |
| Employer contribution / active EE | $907 | $6,252-85.5% | $5,564-83.7% | $4,866-81.4% |
| Participant deferral / active EE | $5,455 | $5,507-1.0% | $4,895+11.4% | $5,352+1.9% |
| Admin fee / account holder | $458 | $13,580-96.6% | $11,612-96.1% | $9,541-95.2% |