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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 | $81,487+29.3% | $102,412+2.9% | $80,935+30.2% |
| Participation rate | 14.7% | 66.8%-52.1pp | 74.5%-59.8pp | 67.7%-53.0pp |
| Annual return | -84.70% | 25.60%-110.3pp | 24.94%-109.6pp | 35.66%-120.4pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,161 | $3,871+7.5% | $5,060-17.8% | $4,299-3.2% |
| Admin fee / account holder | $10,447 | $6,717+55.5% | $8,388+24.6% | $6,924+50.9% |