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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 | $67,406 | $45,566+47.9% | $64,105+5.2% | $59,633+13.0% |
| Participation rate | 35.1% | 60.2%-25.1pp | 68.2%-33.1pp | 68.7%-33.6pp |
| Annual return | -2.96% | 4.95%-7.9pp | 791.24%-794.2pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $82 | $934-91.2% | $1,820-95.5% | $2,203-96.3% |
| Participant deferral / active EE | $1,628 | $2,057-20.8% | $2,822-42.3% | $3,192-49.0% |
| Admin fee / account holder | $1,527 | $3,268-53.3% | $4,499-66.1% | $4,297-64.5% |