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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 | $18,058 | $152,597-88.2% | $117,533-84.6% | $134,532-86.6% |
| Participation rate | 45.5% | 77.1%-31.7pp | 70.6%-25.1pp | 81.2%-35.8pp |
| Annual return | -33.51% | 53.04%-86.5pp | 29.77%-63.3pp | 418.27%-451.8pp |
| Employer contribution / active EE | $0 | $5,576-100.0% | $4,179-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $4,564 | $4,821-5.3% | $4,072+12.1% | $6,401-28.7% |
| Admin fee / account holder | $2,439 | $7,007-65.2% | $5,647-56.8% | $11,429-78.7% |