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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 | $23,748 | $159,978-85.2% | $147,041-83.8% | $145,978-83.7% |
| Participation rate | 44.4% | 84.0%-39.6pp | 82.2%-37.7pp | 80.3%-35.8pp |
| Annual return | 0.85% | 98.36%-97.5pp | 419.21%-418.4pp | 550.52%-549.7pp |
| Employer contribution / active EE | $137 | $5,288-97.4% | $4,935-97.2% | $4,662-97.1% |
| Participant deferral / active EE | $8,098 | $8,429-3.9% | $8,071+0.3% | $6,690+21.0% |
| Admin fee / account holder | $4,680 | $15,053-68.9% | $13,006-64.0% | $13,400-65.1% |