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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 | $214,687 | $102,382+109.7% | $147,005+46.0% | $80,874+165.5% |
| Participation rate | 51.3% | 75.8%-24.6pp | 82.2%-30.9pp | 67.6%-16.4pp |
| Annual return | -2.77% | 134.89%-137.7pp | 418.76%-421.5pp | 35.62%-38.4pp |
| Employer contribution / active EE | $387 | $3,715-89.6% | $4,934-92.2% | $2,756-86.0% |
| Participant deferral / active EE | $7,514 | $6,646+13.0% | $8,070-6.9% | $4,297+74.9% |
| Admin fee / account holder | $588 | $7,942-92.6% | $13,006-95.5% | $6,935-91.5% |