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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 | $41,626 | $102,422-59.4% | $147,117-71.7% | $80,959-48.6% |
| Participation rate | 35.7% | 75.9%-40.2pp | 82.2%-46.5pp | 67.7%-32.0pp |
| Annual return | 10.68% | 135.16%-124.5pp | 420.54%-409.9pp | 35.67%-25.0pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,634 | $6,652-45.4% | $8,065-54.9% | $4,300-15.5% |
| Admin fee / account holder | $10,736 | $7,953+35.0% | $12,993-17.4% | $6,925+55.0% |