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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 | $42,542 | $91,559-53.5% | $133,978-68.2% | $79,856-46.7% |
| Participation rate | 60.4% | 73.3%-12.9pp | 79.8%-19.4pp | 69.6%-9.2pp |
| Annual return | 8.74% | 61.85%-53.1pp | 45.10%-36.4pp | 31.71%-23.0pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,293 | $3,734-38.6% | $5,047-54.6% | $3,741-38.7% |
| Admin fee / account holder | $6,802 | $6,321+7.6% | $8,930-23.8% | $5,306+28.2% |