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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 | $23,918 | $65,960-63.7% | $81,844-70.8% | $77,736-69.2% |
| Participation rate | 19.0% | 65.8%-46.8pp | 72.4%-53.4pp | 70.6%-51.6pp |
| Annual return | 11.35% | 26.64%-15.3pp | 778.87%-767.5pp | 31.26%-19.9pp |
| Employer contribution / active EE | $386 | $2,375-83.8% | $2,916-86.8% | $2,728-85.9% |
| Participant deferral / active EE | $1,102 | $3,505-68.6% | $4,323-74.5% | $4,651-76.3% |
| Admin fee / account holder | $1,555 | $526+195.4% | $7,355-78.9% | $433+259.0% |