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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 | $39,071 | $59,448-34.3% | $93,696-58.3% | $74,459-47.5% |
| Participation rate | 35.2% | 59.6%-24.5pp | 68.7%-33.6pp | 67.2%-32.1pp |
| Annual return | 10.38% | 82.11%-71.7pp | 133.74%-123.4pp | 1369.70%-1359.3pp |
| Employer contribution / active EE | $27 | $1,266-97.9% | $2,422-98.9% | $2,626-99.0% |
| Participant deferral / active EE | $1,901 | $3,052-37.7% | $4,417-57.0% | $4,350-56.3% |
| Admin fee / account holder | $3,306 | $3,027+9.2% | $8,287-60.1% | $1,945+70.0% |