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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 | $78,037 | $95,917-18.6% | $79,583-1.9% | $134,545-42.0% |
| Participation rate | 41.7% | 75.0%-33.4pp | 69.5%-27.8pp | 81.2%-39.6pp |
| Annual return | -21.53% | -2.70%-18.8pp | 0.16%-21.7pp | 418.37%-439.9pp |
| Employer contribution / active EE | $139 | $3,129-95.5% | $2,414-94.2% | $4,742-97.1% |
| Participant deferral / active EE | $4,049 | $4,694-13.7% | $3,986+1.6% | $6,401-36.7% |
| Admin fee / account holder | $6,982 | $9,132-23.5% | $6,835+2.1% | $11,431-38.9% |