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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 | $26,348 | $183,516-85.6% | $155,534-83.1% | $145,884-81.9% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | -13.49% | 61.43%-74.9pp | 64.92%-78.4pp | 551.85%-565.3pp |
| Employer contribution / active EE | $436 | $5,315-91.8% | $4,675-90.7% | $4,662-90.6% |
| Participant deferral / active EE | $3,072 | $6,467-52.5% | $5,630-45.4% | $6,690-54.1% |
| Admin fee / account holder | $6,079 | $19,293-68.5% | $15,900-61.8% | $13,392-54.6% |