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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 | $62,527 | $91,525-31.7% | $130,026-51.9% | $75,181-16.8% |
| Participation rate | 28.6% | 71.4%-42.9pp | 78.5%-49.9pp | 67.2%-38.6pp |
| Annual return | 7.96% | -631.40%+639.4pp | -137.26%+145.2pp | 160.69%-152.7pp |
| Employer contribution / active EE | $0 | $2,844-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,080 | $4,342-52.1% | $5,821-64.3% | $4,126-49.6% |
| Admin fee / account holder | $3,784 | $6,778-44.2% | $10,608-64.3% | $5,650-33.0% |