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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 | $38,415 | $58,726-34.6% | $142,898-73.1% | $85,851-55.3% |
| Participation rate | 58.6% | 58.5%+0.1pp | 72.0%-13.3pp | 69.3%-10.7pp |
| Annual return | 8.34% | 27.73%-19.4pp | 5639.64%-5631.3pp | 318.63%-310.3pp |
| Employer contribution / active EE | $0 | $1,424-100.0% | $4,146-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,081 | $2,609-58.6% | $3,838-71.8% | $3,952-72.7% |
| Admin fee / account holder | $720 | $4,234-83.0% | $6,560-89.0% | $6,261-88.5% |