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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 | $39,635 | $98,760-59.9% | $149,715-73.5% | $79,858-50.4% |
| Participation rate | 35.7% | 75.8%-40.1pp | 82.5%-46.8pp | 69.6%-33.9pp |
| Annual return | 7.25% | 27.43%-20.2pp | 276.66%-269.4pp | 31.72%-24.5pp |
| Employer contribution / active EE | $1 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,325 | $5,681-23.9% | $6,842-36.8% | $3,740+15.6% |
| Admin fee / account holder | $1,756 | $6,053-71.0% | $9,310-81.1% | $5,306-66.9% |