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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 | $69,425 | $106,008-34.5% | $92,240-24.7% | $147,586-53.0% |
| Participation rate | 43.8% | 80.4%-36.7pp | 76.5%-32.7pp | 82.8%-39.1pp |
| Annual return | 7.31% | 50.05%-42.7pp | 176.29%-169.0pp | 578.59%-571.3pp |
| Employer contribution / active EE | $347 | $4,333-92.0% | $3,680-90.6% | $4,876-92.9% |
| Participant deferral / active EE | $1,737 | $4,478-61.2% | $3,897-55.4% | $5,439-68.1% |
| Admin fee / account holder | $4,408 | $6,333-30.4% | $5,194-15.1% | $10,886-59.5% |