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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 | $41,156 | $65,566-37.2% | $86,235-52.3% | $75,177-45.3% |
| Participation rate | 16.0% | 60.5%-44.4pp | 69.0%-52.9pp | 67.2%-51.2pp |
| Annual return | 11.26% | 46.07%-34.8pp | 1170.03%-1158.8pp | 160.75%-149.5pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,282 | $3,023-57.6% | $3,987-67.9% | $4,126-68.9% |
| Admin fee / account holder | $10,176 | $5,470+86.0% | $6,856+48.4% | $5,651+80.1% |