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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 | $72,524 | $85,766-15.4% | $136,295-46.8% | $70,131+3.4% |
| Participation rate | 43.1% | 74.2%-31.1pp | 81.9%-38.9pp | 69.5%-26.5pp |
| Annual return | 10.78% | 31.45%-20.7pp | 5155.97%-5145.2pp | 73.14%-62.4pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,695-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,183 | $5,051-56.8% | $6,247-65.1% | $3,332-34.5% |
| Admin fee / account holder | $5,578 | $5,420+2.9% | $9,243-39.7% | $4,645+20.1% |