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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 | $25,628 | $77,908-67.1% | $149,696-82.9% | $75,173-65.9% |
| Participation rate | 68.0% | 65.6%+2.4pp | 78.8%-10.8pp | 67.2%+0.8pp |
| Annual return | 12.56% | 31.73%-19.2pp | 134.46%-121.9pp | 160.72%-148.2pp |
| Employer contribution / active EE | -$2 | $3,138-100.1% | $4,821-100.0% | $2,671-100.1% |
| Participant deferral / active EE | $2,181 | $3,411-36.1% | $5,682-61.6% | $4,126-47.1% |
| Admin fee / account holder | $2,433 | $5,950-59.1% | $13,212-81.6% | $5,651-56.9% |