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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 | $42,442 | $95,406-55.5% | $185,849-77.2% | $85,847-50.6% |
| Participation rate | 48.8% | 68.8%-20.0pp | 81.7%-32.9pp | 69.3%-20.5pp |
| Annual return | 9.48% | 23.59%-14.1pp | 122.10%-112.6pp | 318.61%-309.1pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,111 | $3,424-67.5% | $5,569-80.0% | $3,952-71.9% |
| Admin fee / account holder | $957 | $7,214-86.7% | $16,244-94.1% | $6,261-84.7% |