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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 | $32,791 | $44,425-26.2% | $67,834-51.7% | $55,167-40.6% |
| Participation rate | 46.8% | 59.7%-12.9pp | 68.8%-22.0pp | 69.0%-22.1pp |
| Annual return | 4.23% | 17.80%-13.6pp | 138.47%-134.2pp | 169.23%-165.0pp |
| Employer contribution / active EE | $170 | $1,351-87.4% | $2,403-92.9% | $1,963-91.3% |
| Participant deferral / active EE | $1,208 | $2,166-44.2% | $3,160-61.8% | $3,054-60.5% |
| Admin fee / account holder | $3,953 | $530+645.4% | $4,622-14.5% | $504+684.5% |