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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 | $126,557 | $71,208+77.7% | $93,681+35.1% | $80,911+56.4% |
| Participation rate | 31.1% | 60.4%-29.2pp | 68.7%-37.6pp | 67.6%-36.5pp |
| Annual return | 9.73% | 11.27%-1.5pp | 133.47%-123.7pp | 35.63%-25.9pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,422-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,960 | $4,035-1.9% | $4,415-10.3% | $4,297-7.8% |
| Admin fee / account holder | $38,590 | $6,951+455.2% | $8,290+365.5% | $6,935+456.5% |