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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 | $74,550 | $45,566+63.6% | $64,105+16.3% | $59,633+25.0% |
| Participation rate | 41.2% | 60.2%-18.9pp | 68.2%-26.9pp | 68.7%-27.4pp |
| Annual return | -4.21% | 4.95%-9.2pp | 791.24%-795.5pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,798 | $2,057-12.6% | $2,822-36.3% | $3,192-43.7% |
| Admin fee / account holder | $5,210 | $3,268+59.5% | $4,499+15.8% | $4,297+21.3% |