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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 | $15,545 | $29,670-47.6% | $56,054-72.3% | $80,911-80.8% |
| Participation rate | 15.7% | 41.7%-26.0pp | 52.5%-36.8pp | 67.6%-51.9pp |
| Annual return | 8.87% | 35.24%-26.4pp | 1705.95%-1697.1pp | 35.63%-26.8pp |
| Employer contribution / active EE | $25 | $670-96.2% | $1,039-97.6% | $2,756-99.1% |
| Participant deferral / active EE | $257 | $1,227-79.1% | $1,952-86.8% | $4,297-94.0% |
| Admin fee / account holder | $845 | $2,431-65.2% | $2,822-70.1% | $6,935-87.8% |