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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 | $84,632 | $102,422-17.4% | $147,117-42.5% | $80,959+4.5% |
| Participation rate | 48.0% | 75.9%-27.9pp | 82.2%-34.2pp | 67.7%-19.7pp |
| Annual return | 6.58% | 135.16%-128.6pp | 420.54%-414.0pp | 35.67%-29.1pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,492 | $6,652-47.5% | $8,065-56.7% | $4,300-18.8% |
| Admin fee / account holder | $554 | $7,953-93.0% | $12,993-95.7% | $6,925-92.0% |