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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 | $32,347 | $29,733+8.8% | $56,025-42.3% | $80,959-60.0% |
| Participation rate | 14.0% | 41.7%-27.8pp | 52.5%-38.6pp | 67.7%-53.7pp |
| Annual return | 9.53% | 35.28%-25.7pp | 1712.69%-1703.2pp | 35.67%-26.1pp |
| Employer contribution / active EE | $86 | $672-87.2% | $1,042-91.7% | $2,757-96.9% |
| Participant deferral / active EE | $325 | $1,229-73.5% | $1,955-83.4% | $4,300-92.4% |
| Admin fee / account holder | $4,495 | $2,434+84.7% | $2,828+58.9% | $6,925-35.1% |