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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 | $37,886 | $72,071-47.4% | $68,368-44.6% | $137,256-72.4% |
| Participation rate | 25.0% | 76.2%-51.2pp | 73.8%-48.8pp | 80.0%-55.0pp |
| Annual return | 11.55% | 353.14%-341.6pp | 292.57%-281.0pp | 220.34%-208.8pp |
| Employer contribution / active EE | $52 | $2,788-98.1% | $2,649-98.0% | $4,156-98.7% |
| Participant deferral / active EE | $1,306 | $4,410-70.4% | $4,123-68.3% | $6,407-79.6% |
| Admin fee / account holder | $49,728 | $5,336+832.0% | $5,150+865.6% | $12,270+305.3% |