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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 | $22,320 | $58,275-61.7% | $81,844-72.7% | $80,935-72.4% |
| Participation rate | 27.4% | 63.5%-36.1pp | 72.4%-45.0pp | 67.7%-40.3pp |
| Annual return | 7.44% | 41.82%-34.4pp | 778.87%-771.4pp | 35.66%-28.2pp |
| Employer contribution / active EE | $211 | $2,346-91.0% | $2,916-92.8% | $2,757-92.4% |
| Participant deferral / active EE | $1,270 | $3,285-61.4% | $4,323-70.6% | $4,299-70.5% |
| Admin fee / account holder | $5,355 | $4,749+12.8% | $7,355-27.2% | $6,924-22.7% |