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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 | $22,573 | $57,976-61.1% | $63,018-64.2% | $62,293-63.8% |
| Participation rate | 50.9% | 75.9%-25.0pp | 74.8%-23.9pp | 69.5%-18.6pp |
| Annual return | 8.08% | 17.54%-9.5pp | 87.62%-79.5pp | 28.90%-20.8pp |
| Employer contribution / active EE | $0 | $2,415-100.0% | $2,761-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,239 | $2,956-58.1% | $3,330-62.8% | $3,169-60.9% |
| Admin fee / account holder | $1,068 | $276+287.3% | $3,601-70.3% | $479+122.8% |