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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 | $129,712 | $118,875+9.1% | $96,572+34.3% | $167,553-22.6% |
| Participation rate | 58.3% | 75.5%-17.2pp | 69.8%-11.5pp | 82.1%-23.8pp |
| Annual return | 1.58% | 50.50%-48.9pp | 37.79%-36.2pp | 478.89%-477.3pp |
| Employer contribution / active EE | $0 | $3,121-100.0% | $2,357-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $6,310 | $4,617+36.7% | $3,850+63.9% | $6,343-0.5% |
| Admin fee / account holder | $20,941 | $8,070+159.5% | $6,183+238.7% | $12,316+70.0% |