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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 | $161,205 | $138,078+16.7% | $125,363+28.6% | $134,509+19.8% |
| Participation rate | 30.0% | 84.5%-54.5pp | 82.4%-52.4pp | 81.2%-51.2pp |
| Annual return | -21.25% | 750.49%-771.7pp | 572.15%-593.4pp | 418.13%-439.4pp |
| Employer contribution / active EE | $682 | $5,245-87.0% | $4,815-85.8% | $4,741-85.6% |
| Participant deferral / active EE | $3,523 | $7,800-54.8% | $7,447-52.7% | $6,400-44.9% |
| Admin fee / account holder | $1,114 | $11,566-90.4% | $10,005-88.9% | $11,427-90.3% |