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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 | $45,800 | $63,346-27.7% | $92,240-50.3% | $70,126-34.7% |
| Participation rate | 53.7% | 68.7%-15.0pp | 76.5%-22.8pp | 69.5%-15.8pp |
| Annual return | 12.38% | 530.19%-517.8pp | 176.29%-163.9pp | 73.15%-60.8pp |
| Employer contribution / active EE | $497 | $2,471-79.9% | $3,680-86.5% | $2,343-78.8% |
| Participant deferral / active EE | $2,070 | $2,854-27.5% | $3,897-46.9% | $3,332-37.9% |
| Admin fee / account holder | $6,552 | $3,841+70.6% | $5,194+26.1% | $4,645+41.0% |