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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 | $41,170 | $91,536-55.0% | $130,062-68.3% | $75,177-45.2% |
| Participation rate | 38.5% | 71.5%-33.0pp | 78.5%-40.0pp | 67.2%-28.7pp |
| Annual return | 12.28% | -631.62%+643.9pp | -137.37%+149.6pp | 160.75%-148.5pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,322-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,521 | $4,343-41.9% | $5,821-56.7% | $4,126-38.9% |
| Admin fee / account holder | $535 | $6,780-92.1% | $10,601-95.0% | $5,651-90.5% |