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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 | $127,426 | $100,805+26.4% | $86,698+47.0% | $134,532-5.3% |
| Participation rate | 68.4% | 79.0%-10.5pp | 76.6%-8.2pp | 81.2%-12.8pp |
| Annual return | -20.75% | 29.09%-49.8pp | 35.95%-56.7pp | 418.27%-439.0pp |
| Employer contribution / active EE | $388 | $3,490-88.9% | $2,837-86.3% | $4,741-91.8% |
| Participant deferral / active EE | $3,716 | $5,339-30.4% | $4,656-20.2% | $6,401-41.9% |
| Admin fee / account holder | $995 | $10,925-90.9% | $7,493-86.7% | $11,429-91.3% |