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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 | $19,358 | $49,199-60.7% | $121,204-84.0% | $75,173-74.2% |
| Participation rate | 53.2% | 55.4%-2.3pp | 69.5%-16.4pp | 67.2%-14.0pp |
| Annual return | 12.63% | 56.04%-43.4pp | 987.18%-974.6pp | 160.72%-148.1pp |
| Employer contribution / active EE | $216 | $1,547-86.1% | $4,170-94.8% | $2,671-91.9% |
| Participant deferral / active EE | $1,468 | $2,630-44.2% | $4,083-64.0% | $4,126-64.4% |
| Admin fee / account holder | $4,837 | $3,946+22.6% | $5,651-14.4% | $5,651-14.4% |