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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 | $38,615 | $39,798-3.0% | $67,704-43.0% | $59,633-35.2% |
| Participation rate | 31.4% | 57.4%-26.0pp | 67.5%-36.1pp | 68.7%-37.3pp |
| Annual return | -6.17% | 89.94%-96.1pp | 25.41%-31.6pp | 2041.40%-2047.6pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,585 | $2,335-32.1% | $3,585-55.8% | $3,192-50.4% |
| Admin fee / account holder | $1,163 | $3,212-63.8% | $4,255-72.7% | $4,297-72.9% |