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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 | $24,581 | $49,164-50.0% | $121,169-79.7% | $75,181-67.3% |
| Participation rate | 15.6% | 55.4%-39.8pp | 69.5%-53.9pp | 67.2%-51.6pp |
| Annual return | 12.36% | 56.03%-43.7pp | 986.71%-974.3pp | 160.69%-148.3pp |
| Employer contribution / active EE | $270 | $1,546-82.5% | $4,168-93.5% | $2,671-89.9% |
| Participant deferral / active EE | $1,067 | $2,628-59.4% | $4,083-73.9% | $4,126-74.1% |
| Admin fee / account holder | $4,206 | $3,942+6.7% | $5,645-25.5% | $5,650-25.5% |