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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 | $176,553 | $138,114+27.8% | $125,391+40.8% | $134,545+31.2% |
| Participation rate | 53.8% | 84.5%-30.7pp | 82.4%-28.5pp | 81.2%-27.4pp |
| Annual return | -28.05% | 750.88%-778.9pp | 572.41%-600.5pp | 418.37%-446.4pp |
| Employer contribution / active EE | $819 | $5,246-84.4% | $4,816-83.0% | $4,742-82.7% |
| Participant deferral / active EE | $4,654 | $7,801-40.3% | $7,448-37.5% | $6,401-27.3% |
| Admin fee / account holder | $773 | $11,570-93.3% | $10,009-92.3% | $11,431-93.2% |