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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 | $34,629 | $183,516-81.1% | $155,534-77.7% | $145,884-76.3% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | -14.09% | 61.43%-75.5pp | 64.92%-79.0pp | 551.85%-565.9pp |
| Employer contribution / active EE | $432 | $5,315-91.9% | $4,675-90.8% | $4,662-90.7% |
| Participant deferral / active EE | $5,389 | $6,467-16.7% | $5,630-4.3% | $6,690-19.4% |
| Admin fee / account holder | $7,855 | $19,293-59.3% | $15,900-50.6% | $13,392-41.3% |