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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 | $71,066 | $88,672-19.9% | $105,223-32.5% | $82,448-13.8% |
| Participation rate | 44.0% | 67.9%-23.9pp | 75.0%-31.0pp | 68.1%-24.1pp |
| Annual return | 9.29% | 30.86%-21.6pp | 180.65%-171.4pp | 41.64%-32.4pp |
| Employer contribution / active EE | $17 | $3,048-99.5% | $3,689-99.5% | $2,551-99.3% |
| Participant deferral / active EE | $3,508 | $4,036-13.1% | $5,072-30.8% | $4,139-15.3% |
| Admin fee / account holder | $3,270 | $7,146-54.2% | $8,859-63.1% | $7,234-54.8% |