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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 | $73,521 | $102,429-28.2% | $147,096-50.0% | $80,925-9.1% |
| Participation rate | 30.0% | 75.9%-45.9pp | 82.2%-52.2pp | 67.7%-37.7pp |
| Annual return | 11.74% | 135.02%-123.3pp | 419.75%-408.0pp | 35.65%-23.9pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,658 | $6,649-45.0% | $8,071-54.7% | $4,299-14.9% |
| Admin fee / account holder | $18,620 | $7,957+134.0% | $13,005+43.2% | $6,940+168.3% |