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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 | $65,405 | $49,896+31.1% | $80,627-18.9% | $75,173-13.0% |
| Participation rate | 57.9% | 55.3%+2.6pp | 67.0%-9.1pp | 67.2%-9.3pp |
| Annual return | 10.78% | 34.67%-23.9pp | 936.76%-926.0pp | 160.72%-149.9pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,723-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,600 | $2,992+20.3% | $4,443-19.0% | $4,126-12.8% |
| Admin fee / account holder | $1,741 | $3,578-51.3% | $5,381-67.6% | $5,651-69.2% |