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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 | $26,580 | $85,766-69.0% | $136,297-80.5% | $70,131-62.1% |
| Participation rate | 29.7% | 74.2%-44.4pp | 81.9%-52.2pp | 69.5%-39.8pp |
| Annual return | 10.77% | 31.45%-20.7pp | 5156.16%-5145.4pp | 73.14%-62.4pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,195 | $5,051-56.6% | $6,247-64.9% | $3,332-34.1% |
| Admin fee / account holder | $3,715 | $5,420-31.5% | $9,244-59.8% | $4,645-20.0% |