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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 | $19,376 | $29,733-34.8% | $56,025-65.4% | $80,959-76.1% |
| Participation rate | 45.6% | 41.7%+3.8pp | 52.5%-6.9pp | 67.7%-22.1pp |
| Annual return | 8.80% | 35.28%-26.5pp | 1712.69%-1703.9pp | 35.67%-26.9pp |
| Employer contribution / active EE | $0 | $672-100.0% | $1,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $477 | $1,229-61.2% | $1,955-75.6% | $4,300-88.9% |
| Admin fee / account holder | $1,777 | $2,434-27.0% | $2,828-37.2% | $6,925-74.3% |