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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 | $67,019 | $60,442+10.9% | $96,754-30.7% | $87,485-23.4% |
| Participation rate | 18.2% | 58.7%-40.5pp | 70.3%-52.1pp | 68.9%-50.7pp |
| Annual return | 12.34% | 21.97%-9.6pp | 82.04%-69.7pp | 26.06%-13.7pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,501 | $3,280-23.8% | $4,758-47.4% | $4,274-41.5% |
| Admin fee / account holder | $2,278 | $5,069-55.1% | $8,905-74.4% | $7,775-70.7% |