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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 | $44,599 | $45,566-2.1% | $64,105-30.4% | $59,633-25.2% |
| Participation rate | 58.1% | 60.2%-2.0pp | 68.2%-10.0pp | 68.7%-10.5pp |
| Annual return | -3.02% | 4.95%-8.0pp | 791.24%-794.3pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,781 | $2,057-13.4% | $2,822-36.9% | $3,192-44.2% |
| Admin fee / account holder | $658 | $3,268-79.9% | $4,499-85.4% | $4,297-84.7% |