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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 | $51,091 | $63,346-19.3% | $92,240-44.6% | $70,126-27.1% |
| Participation rate | 52.1% | 68.7%-16.6pp | 76.5%-24.4pp | 69.5%-17.5pp |
| Annual return | 11.99% | 530.19%-518.2pp | 176.29%-164.3pp | 73.15%-61.2pp |
| Employer contribution / active EE | $248 | $2,471-90.0% | $3,680-93.3% | $2,343-89.4% |
| Participant deferral / active EE | $2,313 | $2,854-19.0% | $3,897-40.7% | $3,332-30.6% |
| Admin fee / account holder | $843 | $3,841-78.1% | $5,194-83.8% | $4,645-81.9% |