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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 | $74,279 | $117,895-37.0% | $102,460-27.5% | $145,897-49.1% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 8.49% | 31.92%-23.4pp | 29.47%-21.0pp | 552.29%-543.8pp |
| Employer contribution / active EE | $596 | $3,619-83.5% | $3,025-80.3% | $4,663-87.2% |
| Participant deferral / active EE | $3,507 | $5,736-38.9% | $5,056-30.6% | $6,689-47.6% |
| Admin fee / account holder | $10,236 | $13,353-23.3% | $9,460+8.2% | $13,390-23.6% |