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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 | $46,587 | $89,364-47.9% | $141,177-67.0% | $72,983-36.2% |
| Participation rate | 53.5% | 75.1%-21.6pp | 82.5%-29.0pp | 69.5%-16.0pp |
| Annual return | 14.80% | 111.86%-97.1pp | 71.40%-56.6pp | 81.01%-66.2pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,116 | $5,419-5.6% | $6,710-23.8% | $3,608+41.8% |
| Admin fee / account holder | $1,824 | $5,959-69.4% | $10,263-82.2% | $5,124-64.4% |