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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 | $4,844 | $47,105-89.7% | $68,368-92.9% | $67,986-92.9% |
| Participation rate | 25.1% | 51.8%-26.6pp | 73.8%-48.6pp | 57.2%-32.1pp |
| Annual return | 7.75% | 48.37%-40.6pp | 292.57%-284.8pp | 31.67%-23.9pp |
| Employer contribution / active EE | $0 | $1,859-100.0% | $2,649-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $622 | $2,374-73.8% | $4,123-84.9% | $3,358-81.5% |
| Admin fee / account holder | $320 | $2,435-86.9% | $5,150-93.8% | $3,203-90.0% |