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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 | $48,543 | $65,034-25.4% | $90,970-46.6% | $79,856-39.2% |
| Participation rate | 39.1% | 61.6%-22.5pp | 69.0%-29.9pp | 69.6%-30.5pp |
| Annual return | 9.22% | 30.45%-21.2pp | 134.60%-125.4pp | 31.71%-22.5pp |
| Employer contribution / active EE | $5 | $1,247-99.6% | $2,122-99.8% | $2,471-99.8% |
| Participant deferral / active EE | $1,310 | $2,512-47.8% | $3,373-61.2% | $3,741-65.0% |
| Admin fee / account holder | $22,300 | $4,536+391.7% | $5,961+274.1% | $5,306+320.3% |