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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 | $67,896 | $93,345-27.3% | $119,126-43.0% | $87,485-22.4% |
| Participation rate | 40.0% | 68.7%-28.7pp | 75.8%-35.8pp | 68.9%-28.9pp |
| Annual return | 11.78% | 19.08%-7.3pp | 282.11%-270.3pp | 26.06%-14.3pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,909 | $4,099-53.4% | $5,318-64.1% | $4,274-55.3% |
| Admin fee / account holder | $11,898 | $8,039+48.0% | $10,693+11.3% | $7,775+53.0% |