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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 | $64,047 | $105,200-39.1% | $159,474-59.8% | $85,847-25.4% |
| Participation rate | 52.2% | 75.8%-23.6pp | 82.8%-30.7pp | 69.3%-17.1pp |
| Annual return | 11.61% | 45.08%-33.5pp | 263.68%-252.1pp | 318.61%-307.0pp |
| Employer contribution / active EE | $548 | $3,319-83.5% | $4,831-88.6% | $2,565-78.6% |
| Participant deferral / active EE | $2,755 | $5,946-53.7% | $7,353-62.5% | $3,952-30.3% |
| Admin fee / account holder | $418 | $6,934-94.0% | $10,802-96.1% | $6,261-93.3% |