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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 | $28,951 | $49,896-42.0% | $80,627-64.1% | $75,173-61.5% |
| Participation rate | 37.8% | 55.3%-17.5pp | 67.0%-29.2pp | 67.2%-29.4pp |
| Annual return | 0.16% | 34.67%-34.5pp | 936.76%-936.6pp | 160.72%-160.6pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,723-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,700 | $2,992+23.7% | $4,443-16.7% | $4,126-10.3% |
| Admin fee / account holder | $1,238 | $3,578-65.4% | $5,381-77.0% | $5,651-78.1% |