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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 | $23,558 | $55,472-57.5% | $155,567-84.9% | $74,546-68.4% |
| Participation rate | 20.1% | 61.9%-41.8pp | 78.2%-58.0pp | 67.2%-47.1pp |
| Annual return | 1.47% | 268.72%-267.3pp | 64.74%-63.3pp | 1366.03%-1364.6pp |
| Employer contribution / active EE | $0 | $2,269-100.0% | $4,674-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $2,014 | $2,838-29.0% | $5,628-64.2% | $4,347-53.7% |
| Admin fee / account holder | $6,592 | $1,743+278.3% | $15,916-58.6% | $1,944+239.2% |