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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 | $42,708 | $54,674-21.9% | $76,089-43.9% | $74,429-42.6% |
| Participation rate | 37.0% | 60.3%-23.3pp | 69.1%-32.1pp | 67.2%-30.2pp |
| Annual return | 8.59% | 31.89%-23.3pp | 360.94%-352.4pp | 1368.38%-1359.8pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,690-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $1,712 | $3,071-44.3% | $4,259-59.8% | $4,348-60.6% |
| Admin fee / account holder | $6,168 | $2,238+175.6% | $6,418-3.9% | $1,944+217.2% |