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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 | $111,692 | $77,638+43.9% | $156,551-28.7% | $62,881+77.6% |
| Participation rate | 56.3% | 71.2%-14.9pp | 84.0%-27.8pp | 69.3%-13.1pp |
| Annual return | -0.15% | 50.33%-50.5pp | 32.23%-32.4pp | 20.14%-20.3pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,147 | $3,046-29.5% | $4,871-55.9% | $3,203-33.0% |
| Admin fee / account holder | $940 | $5,561-83.1% | $13,028-92.8% | $4,296-78.1% |