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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 | $59,346 | $70,666-16.0% | $169,385-65.0% | $75,181-21.1% |
| Participation rate | 25.7% | 64.8%-39.1pp | 77.2%-51.4pp | 67.2%-41.5pp |
| Annual return | 10.94% | 36.37%-25.4pp | 405.82%-394.9pp | 160.69%-149.7pp |
| Employer contribution / active EE | $426 | $2,210-80.7% | $4,012-89.4% | $2,671-84.0% |
| Participant deferral / active EE | $2,412 | $4,308-44.0% | $6,221-61.2% | $4,126-41.5% |
| Admin fee / account holder | $6,715 | $5,402+24.3% | $9,011-25.5% | $5,650+18.9% |