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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 | $47,545 | $61,172-22.3% | $185,851-74.4% | $79,389-40.1% |
| Participation rate | 38.3% | 66.6%-28.3pp | 81.7%-43.4pp | 70.7%-32.4pp |
| Annual return | 11.57% | 19.45%-7.9pp | 122.11%-110.5pp | 116.89%-105.3pp |
| Employer contribution / active EE | $0 | $2,321-100.0% | $5,168-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $966 | $2,788-65.4% | $5,569-82.7% | $4,046-76.1% |
| Admin fee / account holder | $3,647 | $710+413.8% | $16,245-77.6% | $626+482.2% |