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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 | $50,812 | $168,635-69.9% | $147,617-65.6% | $125,389-59.5% |
| Participation rate | 60.0% | 88.8%-28.8pp | 84.6%-24.6pp | 83.2%-23.2pp |
| Annual return | -3.84% | 77.65%-81.5pp | 61.98%-65.8pp | 282.24%-286.1pp |
| Employer contribution / active EE | $382 | $6,252-93.9% | $5,564-93.1% | $4,866-92.2% |
| Participant deferral / active EE | $3,658 | $5,507-33.6% | $4,895-25.3% | $5,352-31.7% |
| Admin fee / account holder | $576 | $13,580-95.8% | $11,612-95.0% | $9,541-94.0% |