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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 | $61,929 | $90,691-31.7% | $76,119-18.6% | $145,884-57.5% |
| Participation rate | 33.3% | 74.5%-41.1pp | 69.1%-35.7pp | 80.3%-47.0pp |
| Annual return | 8.19% | 624.52%-616.3pp | 361.25%-353.1pp | 551.85%-543.7pp |
| Employer contribution / active EE | $479 | $3,329-85.6% | $2,693-82.2% | $4,662-89.7% |
| Participant deferral / active EE | $1,944 | $5,167-62.4% | $4,259-54.3% | $6,690-70.9% |
| Admin fee / account holder | $1,046 | $8,383-87.5% | $6,421-83.7% | $13,392-92.2% |