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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 | $58,514 | $57,330+2.1% | $86,656-32.5% | $75,177-22.2% |
| Participation rate | 25.7% | 63.2%-37.5pp | 71.7%-46.0pp | 67.2%-41.5pp |
| Annual return | 12.76% | 2675.40%-2662.6pp | 593.09%-580.3pp | 160.75%-148.0pp |
| Employer contribution / active EE | $242 | $2,316-89.5% | $3,025-92.0% | $2,671-90.9% |
| Participant deferral / active EE | $1,165 | $3,320-64.9% | $4,439-73.7% | $4,126-71.8% |
| Admin fee / account holder | $13,136 | $4,115+219.2% | $5,619+133.8% | $5,651+132.4% |