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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 | $49,258 | $80,812-39.0% | $160,784-69.4% | $82,448-40.3% |
| Participation rate | 16.0% | 66.2%-50.2pp | 77.0%-61.0pp | 68.1%-52.1pp |
| Annual return | 6.21% | 100.59%-94.4pp | 1803.92%-1797.7pp | 41.64%-35.4pp |
| Employer contribution / active EE | $343 | $2,174-84.2% | $3,733-90.8% | $2,551-86.6% |
| Participant deferral / active EE | $1,635 | $4,335-62.3% | $6,293-74.0% | $4,139-60.5% |
| Admin fee / account holder | $4,632 | $7,695-39.8% | $9,717-52.3% | $7,234-36.0% |