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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 | $125,511 | $138,114-9.1% | $125,391+0.1% | $134,545-6.7% |
| Participation rate | 44.4% | 84.5%-40.1pp | 82.4%-37.9pp | 81.2%-36.8pp |
| Annual return | -21.11% | 750.88%-772.0pp | 572.41%-593.5pp | 418.37%-439.5pp |
| Employer contribution / active EE | $270 | $5,246-94.8% | $4,816-94.4% | $4,742-94.3% |
| Participant deferral / active EE | $2,703 | $7,801-65.3% | $7,448-63.7% | $6,401-57.8% |
| Admin fee / account holder | $3,721 | $11,570-67.8% | $10,009-62.8% | $11,431-67.5% |