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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 | $50,439 | $29,319+72.0% | $52,425-3.8% | $82,448-38.8% |
| Participation rate | 20.9% | 46.9%-26.0pp | 55.6%-34.7pp | 68.1%-47.2pp |
| Annual return | 14.44% | 535.20%-520.8pp | 302.12%-287.7pp | 41.64%-27.2pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $416 | $1,171-64.5% | $1,790-76.8% | $4,139-90.0% |
| Admin fee / account holder | $4,258 | $1,962+117.0% | $2,495+70.7% | $7,234-41.1% |