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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 | $61,507 | $138,102-55.5% | $125,381-50.9% | $134,532-54.3% |
| Participation rate | 18.2% | 84.5%-66.3pp | 82.4%-64.2pp | 81.2%-63.0pp |
| Annual return | -20.93% | 750.73%-771.7pp | 572.31%-593.2pp | 418.27%-439.2pp |
| Employer contribution / active EE | $373 | $5,245-92.9% | $4,815-92.2% | $4,741-92.1% |
| Participant deferral / active EE | $2,767 | $7,801-64.5% | $7,448-62.8% | $6,401-56.8% |
| Admin fee / account holder | $2,605 | $11,568-77.5% | $10,007-74.0% | $11,429-77.2% |