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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 | $45,585 | $89,370-49.0% | $141,197-67.7% | $72,976-37.5% |
| Participation rate | 53.0% | 75.1%-22.1pp | 82.5%-29.4pp | 69.5%-16.5pp |
| Annual return | 3.95% | 111.88%-107.9pp | 71.41%-67.5pp | 81.02%-77.1pp |
| Employer contribution / active EE | $335 | $3,115-89.3% | $4,736-92.9% | $2,440-86.3% |
| Participant deferral / active EE | $2,607 | $5,419-51.9% | $6,710-61.1% | $3,608-27.7% |
| Admin fee / account holder | $1,494 | $5,957-74.9% | $10,265-85.4% | $5,124-70.8% |