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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 | $47,169 | $75,183-37.3% | $123,894-61.9% | $55,167-14.5% |
| Participation rate | 50.0% | 72.8%-22.8pp | 81.4%-31.4pp | 69.0%-19.0pp |
| Annual return | 4.56% | 19.01%-14.5pp | 47.52%-43.0pp | 169.23%-164.7pp |
| Employer contribution / active EE | $303 | $2,823-89.3% | $4,617-93.4% | $1,963-84.6% |
| Participant deferral / active EE | $2,648 | $5,084-47.9% | $5,984-55.8% | $3,054-13.3% |
| Admin fee / account holder | $10,325 | $663+1458.4% | $8,357+23.5% | $504+1949.0% |