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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 | $68,024 | $66,302+2.6% | $110,243-38.3% | $56,289+20.8% |
| Participation rate | 21.8% | 74.9%-53.1pp | 79.8%-58.0pp | 69.9%-48.1pp |
| Annual return | -8.38% | -1.18%-7.2pp | 314.76%-323.1pp | -9.96%+1.6pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $3,827-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,442 | $3,381-27.8% | $4,672-47.7% | $3,350-27.1% |
| Admin fee / account holder | $2,008 | $698+187.5% | $8,548-76.5% | $521+285.4% |