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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 | $64,210 | $73,638-12.8% | $95,960-33.1% | $73,493-12.6% |
| Participation rate | 41.3% | 76.2%-34.9pp | 77.1%-35.8pp | 70.7%-29.4pp |
| Annual return | 8.47% | 16.78%-8.3pp | 91.63%-83.2pp | 28.51%-20.0pp |
| Employer contribution / active EE | $0 | $1,863-100.0% | $2,541-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,612 | $3,617-27.8% | $4,167-37.3% | $3,740-30.2% |
| Admin fee / account holder | $3,458 | $482+617.3% | $6,797-49.1% | $513+574.0% |