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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 | $73,101 | $58,828+24.3% | $78,002-6.3% | $62,881+16.3% |
| Participation rate | 42.5% | 71.1%-28.6pp | 75.5%-33.0pp | 69.3%-26.8pp |
| Annual return | 4.32% | 17.16%-12.8pp | 425.99%-421.7pp | 20.14%-15.8pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,001 | $2,686-25.5% | $3,497-42.8% | $3,203-37.5% |
| Admin fee / account holder | $2,192 | $4,393-50.1% | $5,481-60.0% | $4,296-49.0% |