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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 | $61,853 | $98,766-37.4% | $149,730-58.7% | $79,852-22.5% |
| Participation rate | 46.9% | 75.8%-28.9pp | 82.5%-35.6pp | 69.6%-22.8pp |
| Annual return | 11.14% | 27.43%-16.3pp | 276.70%-265.6pp | 31.72%-20.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,061 | $5,681-28.5% | $6,843-40.7% | $3,740+8.6% |
| Admin fee / account holder | $2,432 | $6,052-59.8% | $9,310-73.9% | $5,306-54.2% |