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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 | $90,691-63.6% | $76,119-56.6% | $145,884-77.4% |
| Participation rate | 36.8% | 74.5%-37.6pp | 69.1%-32.2pp | 80.3%-43.5pp |
| Annual return | 7.15% | 624.52%-617.4pp | 361.25%-354.1pp | 551.85%-544.7pp |
| Employer contribution / active EE | $459 | $3,329-86.2% | $2,693-83.0% | $4,662-90.2% |
| Participant deferral / active EE | $3,054 | $5,167-40.9% | $4,259-28.3% | $6,690-54.3% |
| Admin fee / account holder | $2,943 | $8,383-64.9% | $6,421-54.2% | $13,392-78.0% |