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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 | $45,354 | $75,832-40.2% | $147,617-69.3% | $59,633-23.9% |
| Participation rate | 65.3% | 71.6%-6.3pp | 84.6%-19.3pp | 68.7%-3.4pp |
| Annual return | -2.75% | 0.37%-3.1pp | 61.98%-64.7pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $139 | $3,485-96.0% | $5,564-97.5% | $2,203-93.7% |
| Participant deferral / active EE | $3,526 | $3,131+12.6% | $4,895-28.0% | $3,192+10.5% |
| Admin fee / account holder | $13,161 | $5,986+119.9% | $11,612+13.3% | $4,297+206.3% |