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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 | $39,444 | $99,079-60.2% | $78,002-49.4% | $273,972-85.6% |
| Participation rate | 59.1% | 78.6%-19.5pp | 75.5%-16.4pp | 83.0%-23.9pp |
| Annual return | 1.04% | 217.93%-216.9pp | 425.99%-424.9pp | 41.46%-40.4pp |
| Employer contribution / active EE | $0 | $3,308-100.0% | $2,470-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,892 | $4,306-56.1% | $3,497-45.9% | $5,287-64.2% |
| Admin fee / account holder | $691 | $8,954-92.3% | $5,481-87.4% | $10,133-93.2% |