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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 | $21,890 | $138,075-84.1% | $123,552-82.3% | $135,379-83.8% |
| Participation rate | 61.5% | 84.7%-23.2pp | 82.3%-20.8pp | 82.6%-21.1pp |
| Annual return | -10.56% | 153.70%-164.3pp | 119.20%-129.8pp | 519.79%-530.3pp |
| Employer contribution / active EE | $528 | $5,152-89.8% | $4,628-88.6% | $4,779-89.0% |
| Participant deferral / active EE | $3,891 | $6,800-42.8% | $6,426-39.4% | $5,609-30.6% |
| Admin fee / account holder | $1,077 | $10,917-90.1% | $9,285-88.4% | $10,828-90.1% |