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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 | $14,640 | $26,140-44.0% | $58,507-75.0% | $74,473-80.3% |
| Participation rate | 12.6% | 32.1%-19.5pp | 50.9%-38.2pp | 70.7%-58.1pp |
| Annual return | 13.74% | 32.51%-18.8pp | 4252.32%-4238.6pp | 34.36%-20.6pp |
| Employer contribution / active EE | $0 | $537-100.0% | $1,053-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $494 | $1,075-54.0% | $1,922-74.3% | $4,530-89.1% |
| Admin fee / account holder | $3,150 | $652+383.5% | $2,486+26.7% | $347+807.7% |