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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 | $53,653 | $59,116-9.2% | $86,438-37.9% | $68,486-21.7% |
| Participation rate | 68.8% | 75.2%-6.5pp | 80.3%-11.6pp | 67.9%+0.9pp |
| Annual return | -19.44% | -0.23%-19.2pp | 4397.19%-4416.6pp | -7.85%-11.6pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,769-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $10,360 | $5,902+75.6% | $6,952+49.0% | $4,028+157.2% |
| Admin fee / account holder | $1,089 | $5,639-80.7% | $6,733-83.8% | $5,404-79.8% |