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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 | $39,989 | $45,566-12.2% | $64,105-37.6% | $59,633-32.9% |
| Participation rate | 36.7% | 60.2%-23.5pp | 68.2%-31.5pp | 68.7%-32.0pp |
| Annual return | -4.86% | 4.95%-9.8pp | 791.24%-796.1pp | 2041.45%-2046.3pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,999 | $2,057+45.8% | $2,822+6.3% | $3,192-6.0% |
| Admin fee / account holder | $2,451 | $3,268-25.0% | $4,499-45.5% | $4,297-43.0% |