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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 | $48,609 | $85,766-43.3% | $136,298-64.3% | $70,126-30.7% |
| Participation rate | 28.6% | 74.2%-45.6pp | 81.9%-53.3pp | 69.5%-41.0pp |
| Annual return | 8.93% | 31.46%-22.5pp | 5156.27%-5147.3pp | 73.15%-64.2pp |
| Employer contribution / active EE | $260 | $2,966-91.2% | $4,696-94.5% | $2,343-88.9% |
| Participant deferral / active EE | $2,219 | $5,051-56.1% | $6,247-64.5% | $3,332-33.4% |
| Admin fee / account holder | $4,375 | $5,421-19.3% | $9,244-52.7% | $4,645-5.8% |