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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 | $59,080 | $54,690+8.0% | $76,030-22.3% | $74,478-20.7% |
| Participation rate | 26.7% | 60.3%-33.7pp | 69.1%-42.4pp | 67.2%-40.6pp |
| Annual return | 10.79% | 31.92%-21.1pp | 361.54%-350.7pp | 1370.56%-1359.8pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,688-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $989 | $3,070-67.8% | $4,257-76.8% | $4,350-77.3% |
| Admin fee / account holder | $2,335 | $2,240+4.2% | $6,421-63.6% | $1,946+20.0% |