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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 | $35,408 | $28,624+23.7% | $53,647-34.0% | $82,637-57.2% |
| Participation rate | 34.3% | 47.3%-13.0pp | 56.3%-22.0pp | 68.1%-33.8pp |
| Annual return | 7.97% | 664.98%-657.0pp | 358.33%-350.4pp | 53.51%-45.5pp |
| Employer contribution / active EE | $0 | $637-100.0% | $962-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,755 | $1,196+46.7% | $1,813-3.2% | $4,126-57.5% |
| Admin fee / account holder | $27,654 | $2,022+1267.9% | $2,460+1024.2% | $7,339+276.8% |