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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 | $29,044 | $58,311-50.2% | $81,882-64.5% | $80,959-64.1% |
| Participation rate | 23.9% | 63.5%-39.6pp | 72.4%-48.5pp | 67.7%-43.8pp |
| Annual return | 10.60% | 41.85%-31.3pp | 779.47%-768.9pp | 35.67%-25.1pp |
| Employer contribution / active EE | $264 | $2,347-88.7% | $2,916-90.9% | $2,757-90.4% |
| Participant deferral / active EE | $1,231 | $3,287-62.6% | $4,323-71.5% | $4,300-71.4% |
| Admin fee / account holder | $580 | $4,752-87.8% | $7,360-92.1% | $6,925-91.6% |