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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 | $39,859 | $127,790-68.8% | $106,555-62.6% | $167,536-76.2% |
| Participation rate | 60.9% | 78.3%-17.4pp | 76.1%-15.3pp | 82.1%-21.2pp |
| Annual return | 7.74% | 33.88%-26.1pp | 26.80%-19.1pp | 478.82%-471.1pp |
| Employer contribution / active EE | $0 | $3,428-100.0% | $2,819-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,770 | $5,088-45.6% | $4,399-37.0% | $6,342-56.3% |
| Admin fee / account holder | $11,748 | $11,229+4.6% | $7,408+58.6% | $12,315-4.6% |