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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 | $31,677 | $72,071-56.0% | $68,368-53.7% | $137,256-76.9% |
| Participation rate | 54.5% | 76.2%-21.7pp | 73.8%-19.2pp | 80.0%-25.4pp |
| Annual return | 12.43% | 353.14%-340.7pp | 292.57%-280.1pp | 220.34%-207.9pp |
| Employer contribution / active EE | $306 | $2,788-89.0% | $2,649-88.4% | $4,156-92.6% |
| Participant deferral / active EE | $1,573 | $4,410-64.3% | $4,123-61.8% | $6,407-75.4% |
| Admin fee / account holder | $2,387 | $5,336-55.3% | $5,150-53.7% | $12,270-80.5% |