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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 | $39,802 | $134,001-70.3% | $112,258-64.5% | $134,509-70.4% |
| Participation rate | 45.0% | 78.6%-33.6pp | 75.1%-30.1pp | 81.2%-36.2pp |
| Annual return | -21.32% | 47.15%-68.5pp | 27.47%-48.8pp | 418.13%-439.5pp |
| Employer contribution / active EE | $628 | $4,039-84.4% | $3,636-82.7% | $4,741-86.7% |
| Participant deferral / active EE | $2,602 | $5,291-50.8% | $4,728-45.0% | $6,400-59.3% |
| Admin fee / account holder | $3,666 | $7,491-51.1% | $6,411-42.8% | $11,427-67.9% |