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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 | $35,618 | $45,152-21.1% | $73,836-51.8% | $59,633-40.3% |
| Participation rate | 30.8% | 64.0%-33.2pp | 73.4%-42.7pp | 68.7%-37.9pp |
| Annual return | -6.51% | 27.40%-33.9pp | 2268.06%-2274.6pp | 2041.45%-2048.0pp |
| Employer contribution / active EE | $0 | $1,901-100.0% | $2,787-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,235 | $2,573-52.0% | $3,583-65.5% | $3,192-61.3% |
| Admin fee / account holder | $2,639 | $3,515-24.9% | $4,882-45.9% | $4,297-38.6% |