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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 | $10,105 | $100,139-89.9% | $85,187-88.1% | $145,884-93.1% |
| Participation rate | 45.5% | 74.1%-28.6pp | 67.5%-22.1pp | 80.3%-34.8pp |
| Annual return | 2.88% | 84.15%-81.3pp | 66.67%-63.8pp | 551.85%-549.0pp |
| Employer contribution / active EE | $234 | $3,238-92.8% | $2,732-91.4% | $4,662-95.0% |
| Participant deferral / active EE | $1,290 | $5,296-75.6% | $4,525-71.5% | $6,690-80.7% |
| Admin fee / account holder | $3,032 | $7,262-58.3% | $6,162-50.8% | $13,392-77.4% |