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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 | $33,440 | $58,311-42.7% | $81,882-59.2% | $80,959-58.7% |
| Participation rate | 27.3% | 63.5%-36.2pp | 72.4%-45.1pp | 67.7%-40.4pp |
| Annual return | 7.87% | 41.85%-34.0pp | 779.47%-771.6pp | 35.67%-27.8pp |
| Employer contribution / active EE | $173 | $2,347-92.6% | $2,916-94.1% | $2,757-93.7% |
| Participant deferral / active EE | $999 | $3,287-69.6% | $4,323-76.9% | $4,300-76.8% |
| Admin fee / account holder | $1,342 | $4,752-71.8% | $7,360-81.8% | $6,925-80.6% |