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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 | $44,710 | $115,814-61.4% | $101,275-55.9% | $158,982-71.9% |
| Participation rate | 45.5% | 79.4%-33.9pp | 75.8%-30.4pp | 82.0%-36.5pp |
| Annual return | -0.45% | 56.16%-56.6pp | 46.48%-46.9pp | 302.99%-303.4pp |
| Employer contribution / active EE | $618 | $4,176-85.2% | $3,660-83.1% | $4,763-87.0% |
| Participant deferral / active EE | $2,781 | $4,958-43.9% | $4,371-36.4% | $5,983-53.5% |
| Admin fee / account holder | $1,414 | $7,249-80.5% | $5,948-76.2% | $11,252-87.4% |