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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 | $66,620 | $51,638+29.0% | $68,368-2.6% | $82,448-19.2% |
| Participation rate | 31.5% | 63.6%-32.1pp | 73.8%-42.2pp | 68.1%-36.5pp |
| Annual return | 11.23% | 37.53%-26.3pp | 292.57%-281.3pp | 41.64%-30.4pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $971 | $2,914-66.7% | $4,123-76.5% | $4,139-76.6% |
| Admin fee / account holder | $1,406 | $4,643-69.7% | $5,150-72.7% | $7,234-80.6% |