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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 | $77,871 | $165,381-52.9% | $149,730-48.0% | $158,966-51.0% |
| Participation rate | 63.6% | 84.6%-20.9pp | 82.5%-18.8pp | 82.0%-18.3pp |
| Annual return | -19.55% | 348.29%-367.8pp | 276.70%-296.3pp | 302.95%-322.5pp |
| Employer contribution / active EE | $843 | $5,104-83.5% | $4,645-81.8% | $4,762-82.3% |
| Participant deferral / active EE | $4,872 | $7,182-32.2% | $6,843-28.8% | $5,983-18.6% |
| Admin fee / account holder | $771 | $10,809-92.9% | $9,310-91.7% | $11,250-93.1% |