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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 | $148,112 | $202,440-26.8% | $169,390-12.6% | $139,466+6.2% |
| Participation rate | 65.2% | 81.1%-15.9pp | 77.2%-12.0pp | 80.3%-15.1pp |
| Annual return | -7.75% | 532.36%-540.1pp | 406.07%-413.8pp | 373.66%-381.4pp |
| Employer contribution / active EE | $0 | $4,693-100.0% | $4,013-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $5,509 | $6,940-20.6% | $6,222-11.5% | $6,712-17.9% |
| Admin fee / account holder | $8,615 | $10,722-19.7% | $9,015-4.4% | $11,409-24.5% |