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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 | $27,079 | $52,353-48.3% | $120,225-77.5% | $82,448-67.2% |
| Participation rate | 43.4% | 58.3%-14.9pp | 69.6%-26.2pp | 68.1%-24.7pp |
| Annual return | 9.55% | 61.85%-52.3pp | 439.23%-429.7pp | 41.64%-32.1pp |
| Employer contribution / active EE | $196 | $1,510-87.0% | $3,475-94.4% | $2,551-92.3% |
| Participant deferral / active EE | $1,041 | $2,627-60.4% | $3,999-74.0% | $4,139-74.8% |
| Admin fee / account holder | $3,699 | $4,363-15.2% | $5,696-35.1% | $7,234-48.9% |