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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 | $22,439 | $90,397-75.2% | $76,002-70.5% | $145,959-84.6% |
| Participation rate | 42.9% | 74.5%-31.6pp | 69.1%-26.2pp | 80.3%-37.4pp |
| Annual return | 4.50% | 621.97%-617.5pp | 360.07%-355.6pp | 561.95%-557.5pp |
| Employer contribution / active EE | $148 | $3,317-95.5% | $2,688-94.5% | $4,661-96.8% |
| Participant deferral / active EE | $1,642 | $5,163-68.2% | $4,257-61.4% | $6,689-75.5% |
| Admin fee / account holder | $1,377 | $8,369-83.6% | $6,414-78.5% | $13,398-89.7% |