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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 | $73,521 | $102,422-28.2% | $147,117-50.0% | $80,959-9.2% |
| Participation rate | 30.0% | 75.9%-45.9pp | 82.2%-52.2pp | 67.7%-37.7pp |
| Annual return | 11.74% | 135.16%-123.4pp | 420.54%-408.8pp | 35.67%-23.9pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,658 | $6,652-45.0% | $8,065-54.6% | $4,300-14.9% |
| Admin fee / account holder | $18,620 | $7,953+134.1% | $12,993+43.3% | $6,925+168.9% |