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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 | $64,378 | $63,346+1.6% | $92,240-30.2% | $70,126-8.2% |
| Participation rate | 23.4% | 68.7%-45.3pp | 76.5%-53.1pp | 69.5%-46.2pp |
| Annual return | 7.62% | 530.19%-522.6pp | 176.29%-168.7pp | 73.15%-65.5pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,464 | $2,854-48.7% | $3,897-62.4% | $3,332-56.1% |
| Admin fee / account holder | $18,547 | $3,841+382.9% | $5,194+257.1% | $4,645+299.3% |