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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 | $63,016 | $99,079-36.4% | $78,002-19.2% | $273,972-77.0% |
| Participation rate | 62.5% | 78.6%-16.1pp | 75.5%-13.0pp | 83.0%-20.5pp |
| Annual return | -2.25% | 217.93%-220.2pp | 425.99%-428.2pp | 41.46%-43.7pp |
| Employer contribution / active EE | $370 | $3,308-88.8% | $2,470-85.0% | $4,869-92.4% |
| Participant deferral / active EE | $1,304 | $4,306-69.7% | $3,497-62.7% | $5,287-75.3% |
| Admin fee / account holder | $1,243 | $8,954-86.1% | $5,481-77.3% | $10,133-87.7% |