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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 | $66,119 | $90,745-27.1% | $130,231-49.2% | $75,173-12.0% |
| Participation rate | 25.7% | 71.1%-45.3pp | 76.3%-50.6pp | 67.2%-41.5pp |
| Annual return | 12.73% | 34.45%-21.7pp | 38.86%-26.1pp | 160.72%-148.0pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $4,126-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,907 | $5,362-64.4% | $6,799-71.9% | $4,126-53.8% |
| Admin fee / account holder | $16,992 | $6,331+168.4% | $6,020+182.3% | $5,651+200.7% |