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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 | $17,414 | $133,981-87.0% | $112,249-84.5% | $134,532-87.1% |
| Participation rate | 45.5% | 78.6%-33.1pp | 75.1%-29.6pp | 81.2%-35.8pp |
| Annual return | -56.75% | 47.16%-103.9pp | 27.48%-84.2pp | 418.27%-475.0pp |
| Employer contribution / active EE | $781 | $4,040-80.7% | $3,636-78.5% | $4,741-83.5% |
| Participant deferral / active EE | $5,951 | $5,292+12.5% | $4,729+25.8% | $6,401-7.0% |
| Admin fee / account holder | $1,311 | $7,492-82.5% | $6,412-79.6% | $11,429-88.5% |