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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 | $36,082 | $89,367-59.6% | $141,191-74.4% | $72,975-50.6% |
| Participation rate | 59.0% | 75.1%-16.2pp | 82.5%-23.5pp | 69.5%-10.5pp |
| Annual return | 16.09% | 111.87%-95.8pp | 71.41%-55.3pp | 81.01%-64.9pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,391 | $5,419-37.4% | $6,710-49.5% | $3,608-6.0% |
| Admin fee / account holder | $5,789 | $5,957-2.8% | $10,264-43.6% | $5,124+13.0% |