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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 | $36,390 | $61,338-40.7% | $149,717-75.7% | $71,495-49.1% |
| Participation rate | 21.9% | 62.5%-40.6pp | 78.8%-56.9pp | 67.9%-46.0pp |
| Annual return | 8.28% | 35.86%-27.6pp | 134.41%-126.1pp | 28.85%-20.6pp |
| Employer contribution / active EE | $0 | $2,381-100.0% | $4,820-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $961 | $2,919-67.1% | $5,682-83.1% | $4,291-77.6% |
| Admin fee / account holder | $5,671 | $1,263+349.1% | $13,213-57.1% | $1,588+257.2% |