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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 | $56,803 | $154,193-63.2% | $130,045-56.3% | $139,466-59.3% |
| Participation rate | 53.3% | 82.0%-28.6pp | 78.5%-25.2pp | 80.3%-27.0pp |
| Annual return | 8.44% | 32.51%-24.1pp | -137.30%+145.7pp | 373.66%-365.2pp |
| Employer contribution / active EE | $1,008 | $5,292-80.9% | $4,321-76.7% | $4,754-78.8% |
| Participant deferral / active EE | $3,828 | $6,709-42.9% | $5,820-34.2% | $6,712-43.0% |
| Admin fee / account holder | $5,642 | $13,989-59.7% | $10,600-46.8% | $11,409-50.5% |