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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 | $26,333 | $58,311-54.8% | $81,882-67.8% | $80,959-67.5% |
| Participation rate | 60.8% | 63.5%-2.7pp | 72.4%-11.6pp | 67.7%-6.9pp |
| Annual return | 9.89% | 41.85%-32.0pp | 779.47%-769.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $49 | $2,347-97.9% | $2,916-98.3% | $2,757-98.2% |
| Participant deferral / active EE | $1,988 | $3,287-39.5% | $4,323-54.0% | $4,300-53.8% |
| Admin fee / account holder | $2,709 | $4,752-43.0% | $7,360-63.2% | $6,925-60.9% |