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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 | $76,982 | $183,592-58.1% | $155,574-50.5% | $145,877-47.2% |
| Participation rate | 17.6% | 82.7%-65.1pp | 78.2%-60.6pp | 80.3%-62.7pp |
| Annual return | -0.10% | 61.37%-61.5pp | 64.87%-65.0pp | 551.28%-551.4pp |
| Employer contribution / active EE | $0 | $5,317-100.0% | $4,676-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,217 | $6,466+11.6% | $5,629+28.2% | $6,691+7.9% |
| Admin fee / account holder | $22,683 | $19,316+17.4% | $15,914+42.5% | $13,402+69.2% |