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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 | $25,439 | $85,171-70.1% | $172,752-85.3% | $72,975-65.1% |
| Participation rate | 26.5% | 70.1%-43.6pp | 82.6%-56.2pp | 69.5%-43.0pp |
| Annual return | 13.46% | 27.32%-13.9pp | 802.97%-789.5pp | 81.01%-67.6pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,410 | $3,260-56.8% | $5,198-72.9% | $3,608-60.9% |
| Admin fee / account holder | $5,424 | $5,880-7.8% | $13,955-61.1% | $5,124+5.8% |