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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 | $62,222 | $48,364+28.7% | $71,796-13.3% | $62,881-1.0% |
| Participation rate | 35.1% | 60.6%-25.5pp | 69.1%-34.0pp | 69.3%-34.2pp |
| Annual return | 3.87% | 13.16%-9.3pp | 78.04%-74.2pp | 20.14%-16.3pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,443 | $2,091-31.0% | $2,794-48.4% | $3,203-55.0% |
| Admin fee / account holder | $527 | $3,771-86.0% | $4,815-89.1% | $4,296-87.7% |