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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 | $80,967 | $80,812+0.2% | $160,784-49.6% | $82,448-1.8% |
| Participation rate | 45.6% | 66.2%-20.6pp | 77.0%-31.3pp | 68.1%-22.5pp |
| Annual return | 12.40% | 100.59%-88.2pp | 1803.92%-1791.5pp | 41.64%-29.2pp |
| Employer contribution / active EE | $180 | $2,174-91.7% | $3,733-95.2% | $2,551-93.0% |
| Participant deferral / active EE | $2,186 | $4,335-49.6% | $6,293-65.3% | $4,139-47.2% |
| Admin fee / account holder | $6,821 | $7,695-11.4% | $9,717-29.8% | $7,234-5.7% |