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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 | $47,130 | $63,346-25.6% | $92,240-48.9% | $70,126-32.8% |
| Participation rate | 64.5% | 68.7%-4.2pp | 76.5%-12.0pp | 69.5%-5.1pp |
| Annual return | 8.33% | 530.19%-521.9pp | 176.29%-168.0pp | 73.15%-64.8pp |
| Employer contribution / active EE | $388 | $2,471-84.3% | $3,680-89.5% | $2,343-83.4% |
| Participant deferral / active EE | $1,726 | $2,854-39.5% | $3,897-55.7% | $3,332-48.2% |
| Admin fee / account holder | $2,891 | $3,841-24.7% | $5,194-44.3% | $4,645-37.8% |