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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 | $46,144 | $48,432-4.7% | $121,210-61.9% | $71,529-35.5% |
| Participation rate | 43.8% | 54.3%-10.5pp | 69.5%-25.7pp | 67.9%-24.1pp |
| Annual return | 14.34% | 23.28%-8.9pp | 987.41%-973.1pp | 28.97%-14.6pp |
| Employer contribution / active EE | $249 | $1,493-83.3% | $4,171-94.0% | $2,590-90.4% |
| Participant deferral / active EE | $1,746 | $2,756-36.7% | $4,084-57.3% | $4,291-59.3% |
| Admin fee / account holder | $2,450 | $1,845+32.8% | $5,647-56.6% | $1,588+54.2% |