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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 | $44,561 | $58,311-23.6% | $81,882-45.6% | $80,959-45.0% |
| Participation rate | 22.6% | 63.5%-40.8pp | 72.4%-49.7pp | 67.7%-45.0pp |
| Annual return | 10.01% | 41.85%-31.8pp | 779.47%-769.5pp | 35.67%-25.7pp |
| Employer contribution / active EE | $211 | $2,347-91.0% | $2,916-92.8% | $2,757-92.4% |
| Participant deferral / active EE | $850 | $3,287-74.2% | $4,323-80.3% | $4,300-80.2% |
| Admin fee / account holder | $377 | $4,752-92.1% | $7,360-94.9% | $6,925-94.6% |