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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 | $118,371 | $75,832+56.1% | $147,617-19.8% | $59,633+98.5% |
| Participation rate | 10.3% | 71.6%-61.2pp | 84.6%-74.3pp | 68.7%-58.3pp |
| Annual return | -4.85% | 0.37%-5.2pp | 61.98%-66.8pp | 2041.45%-2046.3pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,239 | $3,131-60.4% | $4,895-74.7% | $3,192-61.2% |
| Admin fee / account holder | $4,336 | $5,986-27.6% | $11,612-62.7% | $4,297+0.9% |