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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 | $45,388 | $102,393-55.7% | $147,041-69.1% | $80,911-43.9% |
| Participation rate | 47.7% | 75.9%-28.1pp | 82.2%-34.4pp | 67.6%-19.9pp |
| Annual return | 10.49% | 134.95%-124.5pp | 419.21%-408.7pp | 35.63%-25.1pp |
| Employer contribution / active EE | $386 | $3,715-89.6% | $4,935-92.2% | $2,756-86.0% |
| Participant deferral / active EE | $6,604 | $6,647-0.7% | $8,071-18.2% | $4,297+53.7% |
| Admin fee / account holder | $2,654 | $7,943-66.6% | $13,006-79.6% | $6,935-61.7% |