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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 | $43,995 | $111,535-60.6% | $105,223-58.2% | $137,256-67.9% |
| Participation rate | 45.8% | 78.1%-32.3pp | 75.0%-29.2pp | 80.0%-34.1pp |
| Annual return | 6.13% | 237.85%-231.7pp | 180.65%-174.5pp | 220.34%-214.2pp |
| Employer contribution / active EE | $404 | $3,939-89.7% | $3,689-89.0% | $4,156-90.3% |
| Participant deferral / active EE | $1,975 | $5,500-64.1% | $5,072-61.1% | $6,407-69.2% |
| Admin fee / account holder | $104,737 | $9,721+977.4% | $8,859+1082.3% | $12,270+753.6% |