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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 | $49,199+58.4% | $121,204-35.7% | $75,173+3.7% |
| Participation rate | 10.6% | 55.4%-44.8pp | 69.5%-58.9pp | 67.2%-56.6pp |
| Annual return | 13.19% | 56.04%-42.9pp | 987.18%-974.0pp | 160.72%-147.5pp |
| Employer contribution / active EE | $191 | $1,547-87.6% | $4,170-95.4% | $2,671-92.8% |
| Participant deferral / active EE | $900 | $2,630-65.8% | $4,083-78.0% | $4,126-78.2% |
| Admin fee / account holder | $1,017 | $3,946-74.2% | $5,651-82.0% | $5,651-82.0% |