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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 | $163,062 | $88,815+83.6% | $81,882+99.1% | $145,897+11.8% |
| Participation rate | 41.7% | 75.1%-33.4pp | 72.4%-30.7pp | 80.3%-38.6pp |
| Annual return | 9.04% | 1033.75%-1024.7pp | 779.47%-770.4pp | 552.29%-543.2pp |
| Employer contribution / active EE | $254 | $3,086-91.8% | $2,916-91.3% | $4,663-94.5% |
| Participant deferral / active EE | $818 | $4,647-82.4% | $4,323-81.1% | $6,689-87.8% |
| Admin fee / account holder | $1,854 | $8,434-78.0% | $7,360-74.8% | $13,390-86.2% |