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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 | $25,215 | $135,956-81.5% | $123,894-79.6% | $273,972-90.8% |
| Participation rate | 61.5% | 84.1%-22.5pp | 81.4%-19.9pp | 83.0%-21.5pp |
| Annual return | -1.67% | 56.63%-58.3pp | 47.52%-49.2pp | 41.46%-43.1pp |
| Employer contribution / active EE | $172 | $5,170-96.7% | $4,617-96.3% | $4,869-96.5% |
| Participant deferral / active EE | $4,543 | $6,343-28.4% | $5,984-24.1% | $5,287-14.1% |
| Admin fee / account holder | $3,968 | $9,817-59.6% | $8,357-52.5% | $10,133-60.8% |