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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 | $59,502 | $56,197+5.9% | $67,652-12.0% | $59,633-0.2% |
| Participation rate | 46.1% | 71.5%-25.4pp | 75.7%-29.6pp | 68.7%-22.6pp |
| Annual return | -2.51% | 18508.10%-18510.6pp | 6625.40%-6627.9pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,466 | $2,844+21.9% | $3,560-2.6% | $3,192+8.6% |
| Admin fee / account holder | $1,100 | $3,958-72.2% | $4,821-77.2% | $4,297-74.4% |