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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 | $42,987 | $75,832-43.3% | $147,617-70.9% | $59,633-27.9% |
| Participation rate | 11.3% | 71.6%-60.3pp | 84.6%-73.4pp | 68.7%-57.4pp |
| Annual return | -3.48% | 0.37%-3.8pp | 61.98%-65.5pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,464 | $3,131-53.2% | $4,895-70.1% | $3,192-54.1% |
| Admin fee / account holder | $462 | $5,986-92.3% | $11,612-96.0% | $4,297-89.3% |