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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 | $44,563 | $89,370-50.1% | $141,197-68.4% | $72,976-38.9% |
| Participation rate | 38.7% | 75.1%-36.4pp | 82.5%-43.8pp | 69.5%-30.8pp |
| Annual return | 14.61% | 111.88%-97.3pp | 71.41%-56.8pp | 81.02%-66.4pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,934 | $5,419-45.9% | $6,710-56.3% | $3,608-18.7% |
| Admin fee / account holder | $11,970 | $5,957+101.0% | $10,265+16.6% | $5,124+133.6% |