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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 | $7,012 | $29,319-76.1% | $52,425-86.6% | $82,448-91.5% |
| Participation rate | 48.6% | 46.9%+1.8pp | 55.6%-7.0pp | 68.1%-19.4pp |
| Annual return | 3.93% | 535.20%-531.3pp | 302.12%-298.2pp | 41.64%-37.7pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,186 | $1,171+1.3% | $1,790-33.8% | $4,139-71.3% |
| Admin fee / account holder | $1,147 | $1,962-41.6% | $2,495-54.0% | $7,234-84.2% |