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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 | $55,536 | $47,105+17.9% | $68,368-18.8% | $67,986-18.3% |
| Participation rate | 38.2% | 51.8%-13.6pp | 73.8%-35.6pp | 57.2%-19.0pp |
| Annual return | 12.44% | 48.37%-35.9pp | 292.57%-280.1pp | 31.67%-19.2pp |
| Employer contribution / active EE | $0 | $1,859-100.0% | $2,649-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,398 | $2,374+1.0% | $4,123-41.8% | $3,358-28.6% |
| Admin fee / account holder | $5,052 | $2,435+107.5% | $5,150-1.9% | $3,203+57.7% |