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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 | $17,599 | $30,385-42.1% | $56,054-68.6% | $74,400-76.3% |
| Participation rate | 18.6% | 32.9%-14.3pp | 52.5%-33.9pp | 67.2%-48.6pp |
| Annual return | 10.46% | 24.92%-14.5pp | 1705.95%-1695.5pp | 1367.51%-1357.0pp |
| Employer contribution / active EE | $97 | $609-84.1% | $1,039-90.7% | $2,624-96.3% |
| Participant deferral / active EE | $464 | $1,174-60.4% | $1,952-76.2% | $4,348-89.3% |
| Admin fee / account holder | $1,514 | $2,361-35.9% | $2,822-46.4% | $1,944-22.1% |