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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 | $82,648 | $65,027+27.1% | $90,970-9.1% | $79,852+3.5% |
| Participation rate | 58.8% | 61.6%-2.8pp | 69.0%-10.2pp | 69.6%-10.8pp |
| Annual return | 7.95% | 30.45%-22.5pp | 134.58%-126.6pp | 31.72%-23.8pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,707 | $2,512+47.6% | $3,373+9.9% | $3,740-0.9% |
| Admin fee / account holder | $12,275 | $4,535+170.7% | $5,960+106.0% | $5,306+131.3% |