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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 | $49,724 | $56,197-11.5% | $67,652-26.5% | $59,633-16.6% |
| Participation rate | 51.0% | 71.5%-20.5pp | 75.7%-24.7pp | 68.7%-17.7pp |
| Annual return | -3.22% | 18508.10%-18511.3pp | 6625.40%-6628.6pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $118 | $1,615-92.7% | $2,266-94.8% | $2,203-94.7% |
| Participant deferral / active EE | $3,626 | $2,844+27.5% | $3,560+1.9% | $3,192+13.6% |
| Admin fee / account holder | $1,141 | $3,958-71.2% | $4,821-76.3% | $4,297-73.4% |