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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 | $41,582 | $49,976-16.8% | $66,674-37.6% | $82,637-49.7% |
| Participation rate | 6.8% | 63.1%-56.3pp | 73.7%-66.9pp | 68.1%-61.2pp |
| Annual return | 12.54% | 39.09%-26.6pp | 321.24%-308.7pp | 53.51%-41.0pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $571 | $2,847-80.0% | $4,084-86.0% | $4,126-86.2% |
| Admin fee / account holder | $484 | $4,594-89.5% | $5,098-90.5% | $7,339-93.4% |