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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 | $21,030 | $167,362-87.4% | $143,799-85.4% | $134,532-84.4% |
| Participation rate | 21.4% | 84.8%-63.4pp | 80.3%-58.9pp | 81.2%-59.8pp |
| Annual return | -57.24% | 0.47%-57.7pp | -0.04%-57.2pp | 418.27%-475.5pp |
| Employer contribution / active EE | $744 | $5,620-86.8% | $4,952-85.0% | $4,741-84.3% |
| Participant deferral / active EE | $3,522 | $6,447-45.4% | $5,638-37.5% | $6,401-45.0% |
| Admin fee / account holder | $443 | $18,094-97.6% | $14,677-97.0% | $11,429-96.1% |