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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 | $21,774 | $39,798-45.3% | $67,704-67.8% | $59,633-63.5% |
| Participation rate | 24.7% | 57.4%-32.6pp | 67.5%-42.8pp | 68.7%-43.9pp |
| Annual return | -3.46% | 89.94%-93.4pp | 25.41%-28.9pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,116 | $2,335-52.2% | $3,585-68.9% | $3,192-65.0% |
| Admin fee / account holder | $403 | $3,212-87.5% | $4,255-90.5% | $4,297-90.6% |