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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 | $108,845 | $48,364+125.1% | $71,796+51.6% | $62,881+73.1% |
| Participation rate | 62.9% | 60.6%+2.2pp | 69.1%-6.3pp | 69.3%-6.4pp |
| Annual return | 4.60% | 13.16%-8.6pp | 78.04%-73.4pp | 20.14%-15.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,830 | $2,091+83.2% | $2,794+37.1% | $3,203+19.6% |
| Admin fee / account holder | $2,121 | $3,771-43.8% | $4,815-56.0% | $4,296-50.6% |