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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 | $41,412 | $56,197-26.3% | $67,652-38.8% | $59,633-30.6% |
| Participation rate | 55.6% | 71.5%-15.9pp | 75.7%-20.1pp | 68.7%-13.1pp |
| Annual return | -2.44% | 18508.10%-18510.5pp | 6625.40%-6627.8pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $250 | $1,615-84.5% | $2,266-89.0% | $2,203-88.7% |
| Participant deferral / active EE | $1,744 | $2,844-38.7% | $3,560-51.0% | $3,192-45.4% |
| Admin fee / account holder | $735 | $3,958-81.4% | $4,821-84.8% | $4,297-82.9% |