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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 | $38,532 | $56,197-31.4% | $67,652-43.0% | $59,633-35.4% |
| Participation rate | 56.5% | 71.5%-14.9pp | 75.7%-19.1pp | 68.7%-12.1pp |
| Annual return | -3.21% | 18508.10%-18511.3pp | 6625.40%-6628.6pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $131 | $1,615-91.9% | $2,266-94.2% | $2,203-94.1% |
| Participant deferral / active EE | $2,852 | $2,844+0.3% | $3,560-19.9% | $3,192-10.6% |
| Admin fee / account holder | $3,174 | $3,958-19.8% | $4,821-34.2% | $4,297-26.1% |