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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 | $79,998 | $85,766-6.7% | $136,298-41.3% | $70,126+14.1% |
| Participation rate | 60.4% | 74.2%-13.8pp | 81.9%-21.5pp | 69.5%-9.2pp |
| Annual return | 10.84% | 31.46%-20.6pp | 5156.27%-5145.4pp | 73.15%-62.3pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,967 | $5,051+18.1% | $6,247-4.5% | $3,332+79.1% |
| Admin fee / account holder | $13,316 | $5,421+145.6% | $9,244+44.0% | $4,645+186.6% |