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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 | $35,598 | $105,867-66.4% | $90,760-60.8% | $134,532-73.5% |
| Participation rate | 25.0% | 78.3%-53.3pp | 75.7%-50.7pp | 81.2%-56.2pp |
| Annual return | -28.46% | -10.99%-17.5pp | -12.16%-16.3pp | 418.27%-446.7pp |
| Employer contribution / active EE | $395 | $3,464-88.6% | $2,922-86.5% | $4,741-91.7% |
| Participant deferral / active EE | $5,938 | $5,217+13.8% | $4,565+30.1% | $6,401-7.2% |
| Admin fee / account holder | $312 | $13,936-97.8% | $8,444-96.3% | $11,429-97.3% |