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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 | $55,916 | $54,679+2.3% | $76,119-26.5% | $74,459-24.9% |
| Participation rate | 40.7% | 60.3%-19.6pp | 69.1%-28.3pp | 67.2%-26.5pp |
| Annual return | 6.42% | 31.90%-25.5pp | 361.25%-354.8pp | 1369.70%-1363.3pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,693-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,949 | $3,072-36.5% | $4,259-54.2% | $4,350-55.2% |
| Admin fee / account holder | $2,463 | $2,238+10.1% | $6,421-61.6% | $1,945+26.6% |