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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 | $56,615 | $135,645-58.3% | $110,243-48.6% | $135,380-58.2% |
| Participation rate | 22.2% | 83.5%-61.2pp | 79.8%-57.6pp | 82.6%-60.4pp |
| Annual return | -9.59% | 513.24%-522.8pp | 314.76%-324.4pp | 519.81%-529.4pp |
| Employer contribution / active EE | $473 | $4,907-90.4% | $3,827-87.6% | $4,779-90.1% |
| Participant deferral / active EE | $3,135 | $5,507-43.1% | $4,672-32.9% | $5,609-44.1% |
| Admin fee / account holder | $551 | $11,458-95.2% | $8,548-93.6% | $10,828-94.9% |