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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 | $63,962 | $89,367-28.4% | $141,191-54.7% | $72,975-12.4% |
| Participation rate | 62.9% | 75.1%-12.3pp | 82.5%-19.6pp | 69.5%-6.6pp |
| Annual return | 12.87% | 111.87%-99.0pp | 71.41%-58.5pp | 81.01%-68.1pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,756 | $5,419-30.7% | $6,710-44.0% | $3,608+4.1% |
| Admin fee / account holder | $24,226 | $5,957+306.7% | $10,264+136.0% | $5,124+372.8% |