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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 | $39,980 | $53,127-24.7% | $86,597-53.8% | $70,131-43.0% |
| Participation rate | 51.3% | 65.3%-14.0pp | 73.5%-22.3pp | 69.5%-18.3pp |
| Annual return | 11.87% | 27.66%-15.8pp | 964.96%-953.1pp | 73.14%-61.3pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,840-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,571 | $2,696-4.6% | $3,609-28.8% | $3,332-22.8% |
| Admin fee / account holder | $2,868 | $3,585-20.0% | $4,906-41.5% | $4,645-38.3% |