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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 | $56,255 | $65,072-13.5% | $66,439-15.3% | $65,306-13.9% |
| Participation rate | 21.5% | 69.1%-47.6pp | 74.5%-53.0pp | 57.7%-36.2pp |
| Annual return | 10.21% | 21.50%-11.3pp | 757.66%-747.5pp | 21.94%-11.7pp |
| Employer contribution / active EE | $0 | $2,475-100.0% | $2,637-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,245 | $3,234-61.5% | $3,876-67.9% | $2,959-57.9% |
| Admin fee / account holder | $13,448 | $1,323+916.4% | $6,173+117.8% | $3,480+286.5% |