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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 | $77,543 | $70,418+10.1% | $96,570-19.7% | $85,847-9.7% |
| Participation rate | 51.0% | 61.8%-10.8pp | 69.8%-18.8pp | 69.3%-18.3pp |
| Annual return | 8.74% | 18.59%-9.8pp | 37.79%-29.0pp | 318.61%-309.9pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,715 | $2,894-6.2% | $3,849-29.5% | $3,952-31.3% |
| Admin fee / account holder | $6,892 | $4,995+38.0% | $6,182+11.5% | $6,261+10.1% |