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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 | $64,613 | $107,421-39.9% | $182,262-64.5% | $94,015-31.3% |
| Participation rate | 35.5% | 77.8%-42.3pp | 84.2%-48.7pp | 70.8%-35.3pp |
| Annual return | 12.66% | 21.32%-8.7pp | 140.60%-127.9pp | 17.84%-5.2pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $3,101 | $6,558-52.7% | $8,276-62.5% | $4,249-27.0% |
| Admin fee / account holder | $9,312 | $8,692+7.1% | $16,712-44.3% | $8,951+4.0% |