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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 | $9,552 | $27,800-65.6% | $58,507-83.7% | $71,529-86.6% |
| Participation rate | 8.3% | 34.6%-26.3pp | 50.9%-42.6pp | 67.9%-59.7pp |
| Annual return | 10.66% | 26.80%-16.1pp | 4252.32%-4241.7pp | 28.97%-18.3pp |
| Employer contribution / active EE | $46 | $632-92.7% | $1,053-95.6% | $2,590-98.2% |
| Participant deferral / active EE | $298 | $1,208-75.3% | $1,922-84.5% | $4,291-93.1% |
| Admin fee / account holder | $405 | $1,637-75.3% | $2,486-83.7% | $1,588-74.5% |