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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 | $35,894 | $49,891-28.1% | $80,607-55.5% | $75,181-52.3% |
| Participation rate | 17.6% | 55.3%-37.7pp | 67.0%-49.4pp | 67.2%-49.6pp |
| Annual return | 12.44% | 34.67%-22.2pp | 936.11%-923.7pp | 160.69%-148.2pp |
| Employer contribution / active EE | $97 | $1,698-94.3% | $2,724-96.4% | $2,671-96.4% |
| Participant deferral / active EE | $2,155 | $2,991-27.9% | $4,448-51.5% | $4,126-47.8% |
| Admin fee / account holder | $5,942 | $3,578+66.1% | $5,379+10.5% | $5,650+5.2% |