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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 | $53,503 | $54,193-1.3% | $93,669-42.9% | $77,714-31.2% |
| Participation rate | 19.2% | 63.9%-44.8pp | 68.7%-49.6pp | 70.6%-51.4pp |
| Annual return | 4.39% | 30.54%-26.2pp | 133.59%-129.2pp | 31.26%-26.9pp |
| Employer contribution / active EE | $217 | $1,168-81.4% | $2,424-91.0% | $2,727-92.0% |
| Participant deferral / active EE | $1,964 | $3,144-37.5% | $4,416-55.5% | $4,649-57.8% |
| Admin fee / account holder | $6,040 | $576+949.4% | $8,291-27.2% | $433+1294.1% |