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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 | $86,256 | $197,819-56.4% | $155,789-44.6% | $125,389-31.2% |
| Participation rate | 42.9% | 82.1%-39.2pp | 76.1%-33.2pp | 83.2%-40.3pp |
| Annual return | -5.11% | 86.73%-91.8pp | 71.54%-76.6pp | 282.24%-287.3pp |
| Employer contribution / active EE | $0 | $4,850-100.0% | $3,839-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $4,105 | $5,631-27.1% | $4,798-14.4% | $5,352-23.3% |
| Admin fee / account holder | $4,978 | $9,544-47.8% | $7,477-33.4% | $9,541-47.8% |