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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 | $72,339 | $102,429-29.4% | $147,096-50.8% | $80,925-10.6% |
| Participation rate | 42.2% | 75.9%-33.7pp | 82.2%-40.0pp | 67.7%-25.5pp |
| Annual return | 11.23% | 135.02%-123.8pp | 419.75%-408.5pp | 35.65%-24.4pp |
| Employer contribution / active EE | $821 | $3,716-77.9% | $4,936-83.4% | $2,756-70.2% |
| Participant deferral / active EE | $3,600 | $6,649-45.8% | $8,071-55.4% | $4,299-16.2% |
| Admin fee / account holder | $1,435 | $7,957-82.0% | $13,005-89.0% | $6,940-79.3% |