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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 | $7,472 | $58,275-87.2% | $81,844-90.9% | $80,935-90.8% |
| Participation rate | 40.3% | 63.5%-23.2pp | 72.4%-32.1pp | 67.7%-27.4pp |
| Annual return | 7.67% | 41.82%-34.1pp | 778.87%-771.2pp | 35.66%-28.0pp |
| Employer contribution / active EE | $157 | $2,346-93.3% | $2,916-94.6% | $2,757-94.3% |
| Participant deferral / active EE | $954 | $3,285-71.0% | $4,323-77.9% | $4,299-77.8% |
| Admin fee / account holder | $2,481 | $4,749-47.7% | $7,355-66.3% | $6,924-64.2% |