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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 | $51,638+2.7% | $68,368-22.4% | $82,448-35.7% |
| Participation rate | 37.0% | 63.6%-26.6pp | 73.8%-36.7pp | 68.1%-31.0pp |
| Annual return | 12.48% | 37.53%-25.0pp | 292.57%-280.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,261 | $2,914+11.9% | $4,123-20.9% | $4,139-21.2% |
| Admin fee / account holder | $12,476 | $4,643+168.7% | $5,150+142.3% | $7,234+72.5% |