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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 | $47,983 | $105,210-54.4% | $159,487-69.9% | $85,851-44.1% |
| Participation rate | 62.1% | 75.8%-13.7pp | 82.8%-20.8pp | 69.3%-7.3pp |
| Annual return | 12.32% | 45.08%-32.8pp | 263.71%-251.4pp | 318.63%-306.3pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $6,054 | $5,946+1.8% | $7,354-17.7% | $3,952+53.2% |
| Admin fee / account holder | $719 | $6,934-89.6% | $10,804-93.3% | $6,261-88.5% |