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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 | $40,768 | $90,590-55.0% | $90,782-55.1% | $135,380-69.9% |
| Participation rate | 69.2% | 83.7%-14.5pp | 82.7%-13.4pp | 82.6%-13.4pp |
| Annual return | -11.35% | -3.40%-8.0pp | -3.42%-7.9pp | 519.81%-531.2pp |
| Employer contribution / active EE | $505 | $4,352-88.4% | $4,105-87.7% | $4,779-89.4% |
| Participant deferral / active EE | $13,608 | $5,407+151.7% | $5,366+153.6% | $5,609+142.6% |
| Admin fee / account holder | $8,796 | $7,683+14.5% | $5,908+48.9% | $10,828-18.8% |