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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 | $32,410 | $45,343-28.5% | $150,298-78.4% | $67,986-52.3% |
| Participation rate | 41.1% | 51.9%-10.8pp | 77.8%-36.7pp | 57.2%-16.1pp |
| Annual return | 7.97% | 33.28%-25.3pp | 62.79%-54.8pp | 31.67%-23.7pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,537 | $2,055-25.2% | $5,453-71.8% | $3,358-54.2% |
| Admin fee / account holder | $7,816 | $2,250+247.4% | $14,116-44.6% | $3,203+144.0% |