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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 | $50,634 | $49,896+1.5% | $80,627-37.2% | $75,173-32.6% |
| Participation rate | 15.0% | 55.3%-40.3pp | 67.0%-52.0pp | 67.2%-52.2pp |
| Annual return | 11.56% | 34.67%-23.1pp | 936.76%-925.2pp | 160.72%-149.2pp |
| Employer contribution / active EE | $239 | $1,699-85.9% | $2,723-91.2% | $2,671-91.0% |
| Participant deferral / active EE | $1,844 | $2,992-38.4% | $4,443-58.5% | $4,126-55.3% |
| Admin fee / account holder | $3,764 | $3,578+5.2% | $5,381-30.1% | $5,651-33.4% |