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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 | $135,076 | $58,311+131.6% | $81,882+65.0% | $80,959+66.8% |
| Participation rate | 23.0% | 63.5%-40.5pp | 72.4%-49.4pp | 67.7%-44.7pp |
| Annual return | 10.26% | 41.85%-31.6pp | 779.47%-769.2pp | 35.67%-25.4pp |
| Employer contribution / active EE | $0 | $2,347-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,916 | $3,287+19.1% | $4,323-9.4% | $4,300-8.9% |
| Admin fee / account holder | $37,392 | $4,752+686.9% | $7,360+408.1% | $6,925+439.9% |