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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 | $106,721 | $180,462-40.9% | $154,111-30.8% | $135,379-21.2% |
| Participation rate | 33.3% | 87.4%-54.1pp | 83.0%-49.7pp | 82.6%-49.3pp |
| Annual return | -10.30% | 888.17%-898.5pp | 735.18%-745.5pp | 519.79%-530.1pp |
| Employer contribution / active EE | $737 | $6,036-87.8% | $5,298-86.1% | $4,779-84.6% |
| Participant deferral / active EE | $7,784 | $5,806+34.1% | $5,081+53.2% | $5,609+38.8% |
| Admin fee / account holder | $486 | $16,145-97.0% | $13,411-96.4% | $10,828-95.5% |