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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 | $46,811 | $63,861-26.7% | $104,614-55.3% | $79,858-41.4% |
| Participation rate | 68.6% | 64.9%+3.6pp | 74.1%-5.5pp | 69.6%-1.1pp |
| Annual return | 9.37% | 21.30%-11.9pp | 340.56%-331.2pp | 31.72%-22.3pp |
| Employer contribution / active EE | $0 | $1,588-100.0% | $2,681-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,217 | $2,693-54.8% | $3,739-67.4% | $3,740-67.5% |
| Admin fee / account holder | $3,628 | $4,185-13.3% | $6,464-43.9% | $5,306-31.6% |