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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 | $82,452 | $93,345-11.7% | $119,126-30.8% | $87,485-5.8% |
| Participation rate | 7.7% | 68.7%-61.0pp | 75.8%-68.1pp | 68.9%-61.2pp |
| Annual return | 10.37% | 19.08%-8.7pp | 282.11%-271.7pp | 26.06%-15.7pp |
| Employer contribution / active EE | $521 | $3,172-83.6% | $4,034-87.1% | $2,596-79.9% |
| Participant deferral / active EE | $5,328 | $4,099+30.0% | $5,318+0.2% | $4,274+24.7% |
| Admin fee / account holder | $28,700 | $8,039+257.0% | $10,693+168.4% | $7,775+269.1% |