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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 | $34,889 | $27,800+25.5% | $58,561-40.4% | $71,511-51.2% |
| Participation rate | 16.7% | 34.6%-17.9pp | 50.9%-34.2pp | 67.9%-51.3pp |
| Annual return | 13.89% | 26.80%-12.9pp | 4251.33%-4237.4pp | 28.86%-15.0pp |
| Employer contribution / active EE | $7 | $632-98.9% | $1,053-99.3% | $2,589-99.7% |
| Participant deferral / active EE | $325 | $1,208-73.1% | $1,923-83.1% | $4,291-92.4% |
| Admin fee / account holder | $1,014 | $1,637-38.1% | $2,520-59.8% | $1,588-36.2% |