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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 | $47,528 | $89,370-46.8% | $141,197-66.3% | $72,976-34.9% |
| Participation rate | 56.4% | 75.1%-18.7pp | 82.5%-26.1pp | 69.5%-13.1pp |
| Annual return | 18.55% | 111.88%-93.3pp | 71.41%-52.9pp | 81.02%-62.5pp |
| Employer contribution / active EE | $318 | $3,115-89.8% | $4,736-93.3% | $2,440-87.0% |
| Participant deferral / active EE | $3,140 | $5,419-42.1% | $6,710-53.2% | $3,608-13.0% |
| Admin fee / account holder | $1,183 | $5,957-80.1% | $10,265-88.5% | $5,124-76.9% |