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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 | $89,368 | $80,812+10.6% | $160,784-44.4% | $82,448+8.4% |
| Participation rate | 39.2% | 66.2%-27.0pp | 77.0%-37.8pp | 68.1%-28.9pp |
| Annual return | 12.04% | 100.59%-88.5pp | 1803.92%-1791.9pp | 41.64%-29.6pp |
| Employer contribution / active EE | $0 | $2,174-100.0% | $3,733-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,043 | $4,335-29.8% | $6,293-51.6% | $4,139-26.5% |
| Admin fee / account holder | $12,574 | $7,695+63.4% | $9,717+29.4% | $7,234+73.8% |