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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 | $29,716-34.8% | $56,077-65.4% | $80,925-76.1% |
| Participation rate | 45.6% | 41.7%+3.9pp | 52.5%-6.9pp | 67.7%-22.1pp |
| Annual return | 8.80% | 35.30%-26.5pp | 1709.28%-1700.5pp | 35.65%-26.8pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,040-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $477 | $1,228-61.2% | $1,954-75.6% | $4,299-88.9% |
| Admin fee / account holder | $1,777 | $2,432-26.9% | $2,825-37.1% | $6,940-74.4% |