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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 | $13,291 | $56,134-76.3% | $96,192-86.2% | $85,851-84.5% |
| Participation rate | 18.9% | 56.7%-37.8pp | 68.4%-49.5pp | 69.3%-50.4pp |
| Annual return | 1.99% | 42.30%-40.3pp | 192.09%-190.1pp | 318.63%-316.6pp |
| Employer contribution / active EE | $234 | $1,620-85.5% | $2,799-91.6% | $2,565-90.9% |
| Participant deferral / active EE | $1,666 | $2,858-41.7% | $4,351-61.7% | $3,952-57.8% |
| Admin fee / account holder | $3,106 | $3,769-17.6% | $5,539-43.9% | $6,261-50.4% |