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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 | $105,344 | $81,457+29.3% | $103,378+1.9% | $80,911+30.2% |
| Participation rate | 14.7% | 66.8%-52.1pp | 74.5%-59.8pp | 67.6%-52.9pp |
| Annual return | -84.70% | 25.58%-110.3pp | 24.91%-109.6pp | 35.63%-120.3pp |
| Employer contribution / active EE | $0 | $3,107-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,161 | $3,871+7.5% | $5,058-17.7% | $4,297-3.2% |
| Admin fee / account holder | $10,447 | $6,717+55.5% | $8,401+24.4% | $6,935+50.7% |