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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 | $45,037 | $48,337-6.8% | $67,560-33.3% | $80,959-44.4% |
| Participation rate | 19.6% | 66.4%-46.8pp | 72.9%-53.3pp | 67.7%-48.1pp |
| Annual return | 11.12% | 18.26%-7.1pp | 3533.50%-3522.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $242 | $2,023-88.0% | $2,737-91.2% | $2,757-91.2% |
| Participant deferral / active EE | $1,065 | $2,928-63.6% | $4,004-73.4% | $4,300-75.2% |
| Admin fee / account holder | $1,676 | $3,695-54.6% | $3,994-58.0% | $6,925-75.8% |