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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 | $55,231 | $91,559-39.7% | $133,971-58.8% | $79,852-30.8% |
| Participation rate | 28.0% | 73.3%-45.3pp | 79.8%-51.8pp | 69.6%-41.6pp |
| Annual return | 7.40% | 61.85%-54.5pp | 45.09%-37.7pp | 31.72%-24.3pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,431 | $3,734-34.9% | $5,047-51.8% | $3,740-35.0% |
| Admin fee / account holder | $39,047 | $6,321+517.7% | $8,929+337.3% | $5,306+635.9% |