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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 | $37,082 | $102,385-63.8% | $147,080-74.8% | $80,935-54.2% |
| Participation rate | 44.7% | 75.9%-31.1pp | 82.2%-37.4pp | 67.7%-22.9pp |
| Annual return | 10.10% | 135.09%-125.0pp | 420.17%-410.1pp | 35.66%-25.6pp |
| Employer contribution / active EE | $841 | $3,717-77.4% | $4,933-83.0% | $2,757-69.5% |
| Participant deferral / active EE | $2,715 | $6,651-59.2% | $8,066-66.3% | $4,299-36.8% |
| Admin fee / account holder | $3,219 | $7,951-59.5% | $12,989-75.2% | $6,924-53.5% |