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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 | $23,658 | $51,631-54.2% | $129,397-81.7% | $80,925-70.8% |
| Participation rate | 15.4% | 56.9%-41.6pp | 69.6%-54.2pp | 67.7%-52.3pp |
| Annual return | -0.96% | 20.77%-21.7pp | 9453.98%-9454.9pp | 35.65%-36.6pp |
| Employer contribution / active EE | $0 | $1,583-100.0% | $4,154-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,639 | $2,670-1.2% | $4,167-36.7% | $4,299-38.6% |
| Admin fee / account holder | $3,046 | $4,309-29.3% | $7,679-60.3% | $6,940-56.1% |