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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 | $65,621 | $77,920-15.8% | $149,723-56.2% | $75,177-12.7% |
| Participation rate | 21.4% | 65.6%-44.2pp | 78.8%-57.4pp | 67.2%-45.8pp |
| Annual return | 12.83% | 31.72%-18.9pp | 134.50%-121.7pp | 160.75%-147.9pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,951 | $3,411-42.8% | $5,682-65.7% | $4,126-52.7% |
| Admin fee / account holder | $10,111 | $5,951+69.9% | $13,215-23.5% | $5,651+78.9% |