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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 | $47,139 | $111,535-57.7% | $105,223-55.2% | $137,256-65.7% |
| Participation rate | 30.4% | 78.1%-47.7pp | 75.0%-44.6pp | 80.0%-49.5pp |
| Annual return | 7.50% | 237.85%-230.4pp | 180.65%-173.1pp | 220.34%-212.8pp |
| Employer contribution / active EE | $14 | $3,939-99.6% | $3,689-99.6% | $4,156-99.7% |
| Participant deferral / active EE | $2,117 | $5,500-61.5% | $5,072-58.3% | $6,407-67.0% |
| Admin fee / account holder | $5,081 | $9,721-47.7% | $8,859-42.6% | $12,270-58.6% |