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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 | $28,624-75.5% | $53,647-86.9% | $82,637-91.5% |
| Participation rate | 48.6% | 47.3%+1.4pp | 56.3%-7.6pp | 68.1%-19.4pp |
| Annual return | 3.93% | 664.98%-661.1pp | 358.33%-354.4pp | 53.51%-49.6pp |
| Employer contribution / active EE | $0 | $637-100.0% | $962-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,186 | $1,196-0.9% | $1,813-34.6% | $4,126-71.3% |
| Admin fee / account holder | $1,147 | $2,022-43.3% | $2,460-53.4% | $7,339-84.4% |