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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 | $38,316 | $75,832-49.5% | $147,617-74.0% | $59,633-35.7% |
| Participation rate | 63.6% | 71.6%-7.9pp | 84.6%-21.0pp | 68.7%-5.0pp |
| Annual return | -3.29% | 0.37%-3.7pp | 61.98%-65.3pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $223 | $3,485-93.6% | $5,564-96.0% | $2,203-89.9% |
| Participant deferral / active EE | $1,940 | $3,131-38.0% | $4,895-60.4% | $3,192-39.2% |
| Admin fee / account holder | $1,567 | $5,986-73.8% | $11,612-86.5% | $4,297-63.5% |