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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 | $74,215 | $48,011+54.6% | $63,803+16.3% | $82,637-10.2% |
| Participation rate | 31.0% | 66.6%-35.5pp | 72.7%-41.7pp | 68.1%-37.0pp |
| Annual return | 11.32% | 19.84%-8.5pp | 543.72%-532.4pp | 53.51%-42.2pp |
| Employer contribution / active EE | $0 | $1,904-100.0% | $2,532-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,973 | $2,846-30.7% | $3,843-48.7% | $4,126-52.2% |
| Admin fee / account holder | $10,531 | $3,873+171.9% | $5,196+102.7% | $7,339+43.5% |