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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 | $51,475 | $45,566+13.0% | $64,105-19.7% | $59,633-13.7% |
| Participation rate | 46.9% | 60.2%-13.3pp | 68.2%-21.3pp | 68.7%-21.8pp |
| Annual return | -3.02% | 4.95%-8.0pp | 791.24%-794.3pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $135 | $934-85.6% | $1,820-92.6% | $2,203-93.9% |
| Participant deferral / active EE | $2,695 | $2,057+31.0% | $2,822-4.5% | $3,192-15.6% |
| Admin fee / account holder | $1,854 | $3,268-43.3% | $4,499-58.8% | $4,297-56.9% |