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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 | $43,528 | $95,975-54.6% | $74,549-41.6% | $135,379-67.8% |
| Participation rate | 40.0% | 75.7%-35.7pp | 69.1%-29.1pp | 82.6%-42.6pp |
| Annual return | -9.54% | 56.96%-66.5pp | 32.53%-42.1pp | 519.79%-529.3pp |
| Employer contribution / active EE | $169 | $2,716-93.8% | $1,961-91.4% | $4,779-96.5% |
| Participant deferral / active EE | $3,593 | $3,844-6.5% | $3,108+15.6% | $5,609-35.9% |
| Admin fee / account holder | $380 | $6,522-94.2% | $5,059-92.5% | $10,828-96.5% |