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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 | $23,724 | $48,364-50.9% | $71,796-67.0% | $62,881-62.3% |
| Participation rate | 29.5% | 60.6%-31.1pp | 69.1%-39.6pp | 69.3%-39.8pp |
| Annual return | 3.36% | 13.16%-9.8pp | 78.04%-74.7pp | 20.14%-16.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,875 | $2,091-10.3% | $2,794-32.9% | $3,203-41.5% |
| Admin fee / account holder | $2,229 | $3,771-40.9% | $4,815-53.7% | $4,296-48.1% |