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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 | $74,103 | $91,559-19.1% | $133,971-44.7% | $79,852-7.2% |
| Participation rate | 51.9% | 73.3%-21.5pp | 79.8%-28.0pp | 69.6%-17.8pp |
| Annual return | 10.05% | 61.85%-51.8pp | 45.09%-35.0pp | 31.72%-21.7pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,597 | $3,734-30.4% | $5,047-48.5% | $3,740-30.6% |
| Admin fee / account holder | $1,679 | $6,321-73.4% | $8,929-81.2% | $5,306-68.4% |