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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 | $74,610 | $91,536-18.5% | $130,062-42.6% | $75,177-0.8% |
| Participation rate | 51.7% | 71.5%-19.7pp | 78.5%-26.8pp | 67.2%-15.5pp |
| Annual return | 11.28% | -631.62%+642.9pp | -137.37%+148.6pp | 160.75%-149.5pp |
| Employer contribution / active EE | $440 | $2,845-84.5% | $4,322-89.8% | $2,671-83.5% |
| Participant deferral / active EE | $2,724 | $4,343-37.3% | $5,821-53.2% | $4,126-34.0% |
| Admin fee / account holder | $7,806 | $6,780+15.1% | $10,601-26.4% | $5,651+38.1% |