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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 | $33,022 | $90,614-63.6% | $76,089-56.6% | $145,877-77.4% |
| Participation rate | 36.8% | 74.5%-37.7pp | 69.1%-32.2pp | 80.3%-43.5pp |
| Annual return | 7.15% | 623.80%-616.6pp | 360.94%-353.8pp | 551.28%-544.1pp |
| Employer contribution / active EE | $459 | $3,324-86.2% | $2,690-83.0% | $4,663-90.2% |
| Participant deferral / active EE | $3,054 | $5,168-40.9% | $4,259-28.3% | $6,691-54.4% |
| Admin fee / account holder | $2,943 | $8,376-64.9% | $6,418-54.1% | $13,402-78.0% |