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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 | $41,854 | $138,102-69.7% | $125,381-66.6% | $134,532-68.9% |
| Participation rate | 25.0% | 84.5%-59.5pp | 82.4%-57.4pp | 81.2%-56.2pp |
| Annual return | -21.93% | 750.73%-772.7pp | 572.31%-594.2pp | 418.27%-440.2pp |
| Employer contribution / active EE | $761 | $5,245-85.5% | $4,815-84.2% | $4,741-84.0% |
| Participant deferral / active EE | $3,085 | $7,801-60.5% | $7,448-58.6% | $6,401-51.8% |
| Admin fee / account holder | $936 | $11,568-91.9% | $10,007-90.7% | $11,429-91.8% |