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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 | $42,245 | $60,504-30.2% | $81,882-48.4% | $74,478-43.3% |
| Participation rate | 24.6% | 62.9%-38.3pp | 72.4%-47.8pp | 67.2%-42.6pp |
| Annual return | 8.45% | 16.91%-8.5pp | 779.47%-771.0pp | 1370.56%-1362.1pp |
| Employer contribution / active EE | $261 | $2,627-90.0% | $2,916-91.0% | $2,626-90.0% |
| Participant deferral / active EE | $976 | $3,400-71.3% | $4,323-77.4% | $4,350-77.6% |
| Admin fee / account holder | $4,148 | $1,492+178.1% | $7,360-43.6% | $1,946+113.2% |