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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 | $15,690 | $174,379-91.0% | $152,093-89.7% | $138,895-88.7% |
| Participation rate | 38.9% | 81.6%-42.8pp | 77.8%-38.9pp | 79.9%-41.0pp |
| Annual return | 0.06% | 74.86%-74.8pp | 66.36%-66.3pp | 145.39%-145.3pp |
| Employer contribution / active EE | $645 | $4,652-86.1% | $4,175-84.6% | $4,194-84.6% |
| Participant deferral / active EE | $2,455 | $6,159-60.1% | $5,451-55.0% | $6,396-61.6% |
| Admin fee / account holder | $2,864 | $16,880-83.0% | $14,497-80.2% | $12,562-77.2% |