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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 | $20,076 | $27,243-26.3% | $52,425-61.7% | $79,634-74.8% |
| Participation rate | 6.4% | 22.4%-16.0pp | 55.6%-49.2pp | 62.5%-56.1pp |
| Annual return | 12.12% | 63.36%-51.2pp | 302.12%-290.0pp | 36.46%-24.3pp |
| Employer contribution / active EE | $0 | $319-100.0% | $914-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $279 | $636-56.1% | $1,790-84.4% | $3,835-92.7% |
| Admin fee / account holder | $4,985 | $2,105+136.8% | $2,495+99.8% | $1,002+397.5% |