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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 | $35,266 | $45,343-22.2% | $150,298-76.5% | $67,986-48.1% |
| Participation rate | 22.5% | 51.9%-29.3pp | 77.8%-55.2pp | 57.2%-34.7pp |
| Annual return | 7.37% | 33.28%-25.9pp | 62.79%-55.4pp | 31.67%-24.3pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,768 | $2,055-13.9% | $5,453-67.6% | $3,358-47.3% |
| Admin fee / account holder | $8,456 | $2,250+275.8% | $14,116-40.1% | $3,203+164.0% |