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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 | $14,639 | $49,976-70.7% | $66,674-78.0% | $82,637-82.3% |
| Participation rate | 6.1% | 63.1%-57.0pp | 73.7%-67.6pp | 68.1%-61.9pp |
| Annual return | 7.89% | 39.09%-31.2pp | 321.24%-313.4pp | 53.51%-45.6pp |
| Employer contribution / active EE | $246 | $1,988-87.6% | $2,620-90.6% | $2,552-90.3% |
| Participant deferral / active EE | $490 | $2,847-82.8% | $4,084-88.0% | $4,126-88.1% |
| Admin fee / account holder | $4,185 | $4,594-8.9% | $5,098-17.9% | $7,339-43.0% |