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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 | $50,044 | $118,877-57.9% | $96,570-48.2% | $167,536-70.1% |
| Participation rate | 31.3% | 75.5%-44.2pp | 69.8%-38.6pp | 82.1%-50.9pp |
| Annual return | -0.67% | 50.50%-51.2pp | 37.79%-38.5pp | 478.82%-479.5pp |
| Employer contribution / active EE | $0 | $3,121-100.0% | $2,357-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,421 | $4,617-47.6% | $3,849-37.1% | $6,342-61.8% |
| Admin fee / account holder | $1,159 | $8,069-85.6% | $6,182-81.3% | $12,315-90.6% |