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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 | $66,894 | $29,319+128.2% | $52,425+27.6% | $82,448-18.9% |
| Participation rate | 23.8% | 46.9%-23.0pp | 55.6%-31.8pp | 68.1%-44.3pp |
| Annual return | 12.57% | 535.20%-522.6pp | 302.12%-289.5pp | 41.64%-29.1pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,392 | $1,171+104.2% | $1,790+33.6% | $4,139-42.2% |
| Admin fee / account holder | $19,954 | $1,962+917.0% | $2,495+699.8% | $7,234+175.8% |