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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 | $40,683 | $29,716+36.9% | $56,077-27.5% | $80,925-49.7% |
| Participation rate | 66.0% | 41.7%+24.3pp | 52.5%+13.5pp | 67.7%-1.7pp |
| Annual return | 9.32% | 35.30%-26.0pp | 1709.28%-1700.0pp | 35.65%-26.3pp |
| Employer contribution / active EE | $29 | $671-95.6% | $1,040-97.2% | $2,756-98.9% |
| Participant deferral / active EE | $2,135 | $1,228+73.8% | $1,954+9.3% | $4,299-50.3% |
| Admin fee / account holder | $9,456 | $2,432+288.8% | $2,825+234.7% | $6,940+36.2% |