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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 | $53,048 | $61,125-13.2% | $94,057-43.6% | $87,485-39.4% |
| Participation rate | 37.0% | 64.1%-27.0pp | 73.3%-36.3pp | 68.9%-31.9pp |
| Annual return | 12.48% | 35.20%-22.7pp | 480.62%-468.1pp | 26.06%-13.6pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,261 | $3,2600% | $4,709-30.7% | $4,274-23.7% |
| Admin fee / account holder | $12,476 | $5,629+121.7% | $7,244+72.2% | $7,775+60.5% |