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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 | $87,576 | $91,525-4.3% | $130,026-32.6% | $75,181+16.5% |
| Participation rate | 69.7% | 71.4%-1.7pp | 78.5%-8.8pp | 67.2%+2.5pp |
| Annual return | 8.98% | -631.40%+640.4pp | -137.26%+146.2pp | 160.69%-151.7pp |
| Employer contribution / active EE | $0 | $2,844-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,657 | $4,342-15.8% | $5,821-37.2% | $4,126-11.4% |
| Admin fee / account holder | $46,910 | $6,778+592.0% | $10,608+342.2% | $5,650+730.3% |