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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 | $59,206 | $102,638-42.3% | $81,982-27.8% | $158,982-62.8% |
| Participation rate | 20.0% | 75.5%-55.5pp | 69.3%-49.3pp | 82.0%-62.0pp |
| Annual return | -5.38% | 61.05%-66.4pp | 41.31%-46.7pp | 302.99%-308.4pp |
| Employer contribution / active EE | $125 | $3,241-96.1% | $2,498-95.0% | $4,763-97.4% |
| Participant deferral / active EE | $3,131 | $4,649-32.7% | $3,722-15.9% | $5,983-47.7% |
| Admin fee / account holder | $50,554 | $8,237+513.7% | $5,665+792.4% | $11,252+349.3% |