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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 | $29,496 | $89,372-67.0% | $141,200-79.1% | $72,977-59.6% |
| Participation rate | 63.6% | 75.1%-11.5pp | 82.5%-18.8pp | 69.5%-5.9pp |
| Annual return | -2.33% | 111.88%-114.2pp | 71.41%-73.7pp | 81.02%-83.3pp |
| Employer contribution / active EE | -$0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,593 | $5,419+3.2% | $6,710-16.7% | $3,608+55.0% |
| Admin fee / account holder | $763 | $5,957-87.2% | $10,265-92.6% | $5,124-85.1% |