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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 | $37,820 | $60,128-37.1% | $90,440-58.2% | $79,852-52.6% |
| Participation rate | 55.8% | 65.0%-9.2pp | 72.7%-16.9pp | 69.6%-13.9pp |
| Annual return | -0.19% | 71.95%-72.1pp | 1294.38%-1294.6pp | 31.72%-31.9pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $3,263-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,479 | $2,939-15.6% | $3,964-37.5% | $3,740-33.7% |
| Admin fee / account holder | $1,303 | $3,977-67.3% | $5,615-76.8% | $5,306-75.5% |