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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 | $30,640 | $75,183-59.2% | $123,894-75.3% | $55,167-44.5% |
| Participation rate | 52.0% | 72.8%-20.8pp | 81.4%-29.4pp | 69.0%-17.0pp |
| Annual return | 5.26% | 19.01%-13.8pp | 47.52%-42.3pp | 169.23%-164.0pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $4,243 | $5,084-16.5% | $5,984-29.1% | $3,054+38.9% |
| Admin fee / account holder | $1,472 | $663+122.2% | $8,357-82.4% | $504+192.1% |