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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 | $60,203 | $29,319+105.3% | $52,425+14.8% | $82,448-27.0% |
| Participation rate | 48.5% | 46.9%+1.6pp | 55.6%-7.1pp | 68.1%-19.6pp |
| Annual return | -7.88% | 535.20%-543.1pp | 302.12%-310.0pp | 41.64%-49.5pp |
| Employer contribution / active EE | -$37 | $586-106.4% | $914-104.1% | $2,551-101.5% |
| Participant deferral / active EE | $738 | $1,171-37.0% | $1,790-58.8% | $4,139-82.2% |
| Admin fee / account holder | $3,606 | $1,962+83.8% | $2,495+44.5% | $7,234-50.2% |