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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 | $24,074 | $65,946-63.5% | $81,783-70.6% | $77,671-69.0% |
| Participation rate | 21.6% | 65.8%-44.2pp | 72.4%-50.8pp | 70.6%-49.0pp |
| Annual return | 7.32% | 26.65%-19.3pp | 775.05%-767.7pp | 31.21%-23.9pp |
| Employer contribution / active EE | $88 | $2,371-96.3% | $2,913-97.0% | $2,726-96.8% |
| Participant deferral / active EE | $978 | $3,507-72.1% | $4,320-77.4% | $4,648-78.9% |
| Admin fee / account holder | $5,407 | $527+926.3% | $7,380-26.7% | $430+1156.3% |