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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 | $45,103 | $107,421-58.0% | $182,262-75.3% | $94,015-52.0% |
| Participation rate | 46.4% | 77.8%-31.4pp | 84.2%-37.8pp | 70.8%-24.4pp |
| Annual return | 12.43% | 21.32%-8.9pp | 140.60%-128.2pp | 17.84%-5.4pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $7,610 | $6,558+16.0% | $8,276-8.1% | $4,249+79.1% |
| Admin fee / account holder | $4,037 | $8,692-53.6% | $16,712-75.8% | $8,951-54.9% |