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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 | $49,073 | $47,479+3.4% | $62,929-22.0% | $82,448-40.5% |
| Participation rate | 17.0% | 66.9%-49.9pp | 73.1%-56.1pp | 68.1%-51.1pp |
| Annual return | 11.03% | 20.34%-9.3pp | 1063.93%-1052.9pp | 41.64%-30.6pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,251 | $2,870-56.4% | $3,888-67.8% | $4,139-69.8% |
| Admin fee / account holder | $517 | $3,804-86.4% | $5,065-89.8% | $7,234-92.9% |