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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 | $59,192 | $72,071-17.9% | $68,368-13.4% | $137,256-56.9% |
| Participation rate | 38.9% | 76.2%-37.3pp | 73.8%-34.9pp | 80.0%-41.1pp |
| Annual return | 10.07% | 353.14%-343.1pp | 292.57%-282.5pp | 220.34%-210.3pp |
| Employer contribution / active EE | $182 | $2,788-93.5% | $2,649-93.1% | $4,156-95.6% |
| Participant deferral / active EE | $1,312 | $4,410-70.3% | $4,123-68.2% | $6,407-79.5% |
| Admin fee / account holder | $4,482 | $5,336-16.0% | $5,150-13.0% | $12,270-63.5% |