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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 | $84,949 | $100,811-15.7% | $86,698-2.0% | $134,545-36.9% |
| Participation rate | 65.0% | 79.0%-14.0pp | 76.6%-11.6pp | 81.2%-16.2pp |
| Annual return | -26.64% | 29.11%-55.8pp | 35.96%-62.6pp | 418.37%-445.0pp |
| Employer contribution / active EE | $697 | $3,490-80.0% | $2,837-75.4% | $4,742-85.3% |
| Participant deferral / active EE | $2,788 | $5,339-47.8% | $4,656-40.1% | $6,401-56.4% |
| Admin fee / account holder | $1,052 | $10,926-90.4% | $7,492-86.0% | $11,431-90.8% |