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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 | $77,708 | $168,636-53.9% | $147,617-47.4% | $125,393-38.0% |
| Participation rate | 33.3% | 88.8%-55.4pp | 84.6%-51.3pp | 83.2%-49.9pp |
| Annual return | -10.64% | 77.65%-88.3pp | 61.98%-72.6pp | 282.23%-292.9pp |
| Employer contribution / active EE | $1,154 | $6,252-81.5% | $5,565-79.3% | $4,866-76.3% |
| Participant deferral / active EE | $3,433 | $5,507-37.7% | $4,895-29.9% | $5,351-35.8% |
| Admin fee / account holder | $691 | $13,580-94.9% | $11,611-94.1% | $9,541-92.8% |