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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 | $29,958 | $58,311-48.6% | $81,882-63.4% | $80,959-63.0% |
| Participation rate | 17.9% | 63.5%-45.6pp | 72.4%-54.5pp | 67.7%-49.8pp |
| Annual return | 10.76% | 41.85%-31.1pp | 779.47%-768.7pp | 35.67%-24.9pp |
| Employer contribution / active EE | $285 | $2,347-87.9% | $2,916-90.2% | $2,757-89.7% |
| Participant deferral / active EE | $1,114 | $3,287-66.1% | $4,323-74.2% | $4,300-74.1% |
| Admin fee / account holder | $500 | $4,752-89.5% | $7,360-93.2% | $6,925-92.8% |