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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 | $28,783 | $30,423-5.4% | $56,025-48.6% | $74,478-61.4% |
| Participation rate | 19.7% | 32.9%-13.2pp | 52.5%-32.9pp | 67.2%-47.6pp |
| Annual return | 10.46% | 24.97%-14.5pp | 1712.69%-1702.2pp | 1370.56%-1360.1pp |
| Employer contribution / active EE | $70 | $610-88.5% | $1,042-93.3% | $2,626-97.3% |
| Participant deferral / active EE | $304 | $1,176-74.1% | $1,955-84.4% | $4,350-93.0% |
| Admin fee / account holder | $1,118 | $2,363-52.7% | $2,828-60.5% | $1,946-42.6% |