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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 | $29,367 | $27,936+5.1% | $58,561-49.9% | $75,173-60.9% |
| Participation rate | 36.7% | 38.8%-2.2pp | 50.9%-14.2pp | 67.2%-30.5pp |
| Annual return | 13.40% | 44.21%-30.8pp | 4251.33%-4237.9pp | 160.72%-147.3pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,053-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,880 | $1,202+56.4% | $1,923-2.3% | $4,126-54.4% |
| Admin fee / account holder | $461 | $1,727-73.3% | $2,520-81.7% | $5,651-91.8% |