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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 | $40,074 | $102,422-60.9% | $147,117-72.8% | $80,959-50.5% |
| Participation rate | 34.6% | 75.9%-41.3pp | 82.2%-47.6pp | 67.7%-33.1pp |
| Annual return | 6.88% | 135.16%-128.3pp | 420.54%-413.7pp | 35.67%-28.8pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,647 | $6,652-45.2% | $8,065-54.8% | $4,300-15.2% |
| Admin fee / account holder | $29,051 | $7,953+265.3% | $12,993+123.6% | $6,925+319.5% |