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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 | $51,245 | $140,592-63.6% | $123,106-58.4% | $125,388-59.1% |
| Participation rate | 66.7% | 88.2%-21.5pp | 86.8%-20.1pp | 83.2%-16.5pp |
| Annual return | -11.54% | 16.80%-28.3pp | 13.22%-24.8pp | 282.24%-293.8pp |
| Employer contribution / active EE | $904 | $6,041-85.0% | $5,151-82.4% | $4,866-81.4% |
| Participant deferral / active EE | $6,575 | $6,980-5.8% | $6,229+5.6% | $5,352+22.9% |
| Admin fee / account holder | $4,668 | $11,198-58.3% | $9,015-48.2% | $9,541-51.1% |