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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 | $168,018 | $133,981+25.4% | $112,249+49.7% | $134,532+24.9% |
| Participation rate | 25.0% | 78.6%-53.6pp | 75.1%-50.1pp | 81.2%-56.2pp |
| Annual return | -24.27% | 47.16%-71.4pp | 27.48%-51.8pp | 418.27%-442.5pp |
| Employer contribution / active EE | $408 | $4,040-89.9% | $3,636-88.8% | $4,741-91.4% |
| Participant deferral / active EE | $8,375 | $5,292+58.3% | $4,729+77.1% | $6,401+30.8% |
| Admin fee / account holder | $5,409 | $7,492-27.8% | $6,412-15.6% | $11,429-52.7% |