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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 | $166,004 | $102,422+62.1% | $147,117+12.8% | $80,959+105.0% |
| Participation rate | 32.8% | 75.9%-43.1pp | 82.2%-49.4pp | 67.7%-34.9pp |
| Annual return | -26.77% | 135.16%-161.9pp | 420.54%-447.3pp | 35.67%-62.4pp |
| Employer contribution / active EE | $687 | $3,717-81.5% | $4,932-86.1% | $2,757-75.1% |
| Participant deferral / active EE | $5,229 | $6,652-21.4% | $8,065-35.2% | $4,300+21.6% |
| Admin fee / account holder | $7,907 | $7,953-0.6% | $12,993-39.1% | $6,925+14.2% |