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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 | $9,601 | $58,311-83.5% | $81,882-88.3% | $80,959-88.1% |
| Participation rate | 28.3% | 63.5%-35.2pp | 72.4%-44.1pp | 67.7%-39.4pp |
| Annual return | 8.84% | 41.85%-33.0pp | 779.47%-770.6pp | 35.67%-26.8pp |
| Employer contribution / active EE | $0 | $2,347-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,863 | $3,287-43.3% | $4,323-56.9% | $4,300-56.7% |
| Admin fee / account holder | $12,165 | $4,752+156.0% | $7,360+65.3% | $6,925+75.7% |