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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 | $37,817 | $31,741+19.1% | $56,033-32.5% | $199,960-81.1% |
| Participation rate | 6.6% | 32.3%-25.7pp | 52.5%-45.9pp | 72.0%-65.4pp |
| Annual return | 10.32% | 14.72%-4.4pp | 1711.38%-1701.1pp | 34.28%-24.0pp |
| Employer contribution / active EE | $53 | $508-89.6% | $1,041-94.9% | $3,036-98.3% |
| Participant deferral / active EE | $328 | $1,184-72.3% | $1,954-83.2% | $5,087-93.6% |
| Admin fee / account holder | $2,995 | $426+602.6% | $2,827+5.9% | $269+1012.2% |