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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 | $79,016 | $98,766-20.0% | $149,730-47.2% | $79,852-1.0% |
| Participation rate | 69.4% | 75.8%-6.3pp | 82.5%-13.0pp | 69.6%-0.2pp |
| Annual return | 12.08% | 27.43%-15.3pp | 276.70%-264.6pp | 31.72%-19.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $8,536 | $5,681+50.3% | $6,843+24.8% | $3,740+128.2% |
| Admin fee / account holder | $21,908 | $6,052+262.0% | $9,310+135.3% | $5,306+312.9% |