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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 | $76,873 | $100,811-23.7% | $86,698-11.3% | $134,545-42.9% |
| Participation rate | 64.3% | 79.0%-14.7pp | 76.6%-12.3pp | 81.2%-16.9pp |
| Annual return | -24.58% | 29.11%-53.7pp | 35.96%-60.5pp | 418.37%-443.0pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $3,400 | $5,339-36.3% | $4,656-27.0% | $6,401-46.9% |
| Admin fee / account holder | $1,365 | $10,926-87.5% | $7,492-81.8% | $11,431-88.1% |