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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 | $77,923 | $49,164+58.5% | $121,169-35.7% | $75,181+3.6% |
| Participation rate | 10.6% | 55.4%-44.8pp | 69.5%-58.9pp | 67.2%-56.6pp |
| Annual return | 13.19% | 56.03%-42.8pp | 986.71%-973.5pp | 160.69%-147.5pp |
| Employer contribution / active EE | $191 | $1,546-87.6% | $4,168-95.4% | $2,671-92.8% |
| Participant deferral / active EE | $900 | $2,628-65.7% | $4,083-77.9% | $4,126-78.2% |
| Admin fee / account holder | $1,017 | $3,942-74.2% | $5,645-82.0% | $5,650-82.0% |