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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 | $47,010 | $85,766-45.2% | $136,298-65.5% | $70,126-33.0% |
| Participation rate | 38.6% | 74.2%-35.5pp | 81.9%-43.3pp | 69.5%-30.9pp |
| Annual return | 12.69% | 31.46%-18.8pp | 5156.27%-5143.6pp | 73.15%-60.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,744 | $5,051-25.9% | $6,247-40.1% | $3,332+12.4% |
| Admin fee / account holder | $12,886 | $5,421+137.7% | $9,244+39.4% | $4,645+177.4% |