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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 | $44,579 | $100,060-55.4% | $149,721-70.2% | $70,126-36.4% |
| Participation rate | 64.0% | 83.6%-19.6pp | 87.1%-23.1pp | 69.5%-5.5pp |
| Annual return | 8.83% | 27.46%-18.6pp | 1501.67%-1492.8pp | 73.15%-64.3pp |
| Employer contribution / active EE | $820 | $3,661-77.6% | $5,444-84.9% | $2,343-65.0% |
| Participant deferral / active EE | $3,281 | $4,982-34.1% | $6,568-50.1% | $3,332-1.5% |
| Admin fee / account holder | $2,292 | $8,285-72.3% | $11,282-79.7% | $4,645-50.7% |