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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 | $29,798 | $58,275-48.9% | $81,844-63.6% | $80,935-63.2% |
| Participation rate | 28.0% | 63.5%-35.5pp | 72.4%-44.4pp | 67.7%-39.7pp |
| Annual return | 8.32% | 41.82%-33.5pp | 778.87%-770.5pp | 35.66%-27.3pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,183 | $3,285-3.1% | $4,323-26.4% | $4,299-26.0% |
| Admin fee / account holder | $5,019 | $4,749+5.7% | $7,355-31.8% | $6,924-27.5% |