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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 | $41,441 | $102,382-59.5% | $147,005-71.8% | $80,874-48.8% |
| Participation rate | 33.3% | 75.8%-42.5pp | 82.2%-48.8pp | 67.6%-34.3pp |
| Annual return | 10.65% | 134.89%-124.2pp | 418.76%-408.1pp | 35.62%-25.0pp |
| Employer contribution / active EE | $337 | $3,715-90.9% | $4,934-93.2% | $2,756-87.8% |
| Participant deferral / active EE | $3,161 | $6,646-52.4% | $8,070-60.8% | $4,297-26.4% |
| Admin fee / account holder | $3,207 | $7,942-59.6% | $13,006-75.3% | $6,935-53.8% |