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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 | $38,150 | $91,537-58.3% | $130,045-70.7% | $75,173-49.3% |
| Participation rate | 53.0% | 71.5%-18.4pp | 78.5%-25.5pp | 67.2%-14.2pp |
| Annual return | 12.27% | -631.55%+643.8pp | -137.30%+149.6pp | 160.72%-148.4pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,380 | $4,343-45.2% | $5,820-59.1% | $4,126-42.3% |
| Admin fee / account holder | $8,180 | $6,780+20.6% | $10,600-22.8% | $5,651+44.8% |