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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 | $183,516-58.1% | $155,534-50.5% | $145,884-47.2% |
| Participation rate | 17.6% | 82.7%-65.1pp | 78.2%-60.6pp | 80.3%-62.7pp |
| Annual return | -0.10% | 61.43%-61.5pp | 64.92%-65.0pp | 551.85%-552.0pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $7,217 | $6,467+11.6% | $5,630+28.2% | $6,690+7.9% |
| Admin fee / account holder | $22,683 | $19,293+17.6% | $15,900+42.7% | $13,392+69.4% |