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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 | $79,930 | $73,518+8.7% | $63,003+26.9% | $147,585-45.8% |
| Participation rate | 20.0% | 77.9%-57.9pp | 74.8%-54.8pp | 82.8%-62.8pp |
| Annual return | 4.58% | 175.46%-170.9pp | 87.59%-83.0pp | 578.57%-574.0pp |
| Employer contribution / active EE | $0 | $3,322-100.0% | $2,760-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,171 | $4,183-72.0% | $3,329-64.8% | $5,439-78.5% |
| Admin fee / account holder | $38,712 | $5,952+550.4% | $3,600+975.3% | $10,885+255.6% |