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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 | $49,483 | $29,051+70.3% | $52,425-5.6% | $67,986-27.2% |
| Participation rate | 33.3% | 30.4%+2.9pp | 55.6%-22.3pp | 57.2%-23.9pp |
| Annual return | 10.71% | 24.00%-13.3pp | 302.12%-291.4pp | 31.67%-21.0pp |
| Employer contribution / active EE | $1 | $412-99.9% | $914-99.9% | $2,019-100.0% |
| Participant deferral / active EE | $1,229 | $873+40.7% | $1,790-31.4% | $3,358-63.4% |
| Admin fee / account holder | $11,730 | $2,113+455.3% | $2,495+370.2% | $3,203+266.2% |