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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 | $18,185 | $29,716-38.8% | $56,077-67.6% | $80,925-77.5% |
| Participation rate | 20.4% | 41.7%-21.3pp | 52.5%-32.1pp | 67.7%-47.2pp |
| Annual return | 6.19% | 35.30%-29.1pp | 1709.28%-1703.1pp | 35.65%-29.5pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,040-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,176 | $1,228-4.3% | $1,954-39.8% | $4,299-72.6% |
| Admin fee / account holder | $21,999 | $2,432+804.6% | $2,825+678.8% | $6,940+217.0% |