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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 | $71,024 | $103,008-31.1% | $90,304-21.4% | $152,897-53.5% |
| Participation rate | 38.9% | 75.9%-37.0pp | 73.3%-34.4pp | 82.5%-43.6pp |
| Annual return | 7.48% | 95.22%-87.7pp | 78.13%-70.7pp | 345.43%-338.0pp |
| Employer contribution / active EE | $0 | $3,139-100.0% | $2,855-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,331 | $4,281-68.9% | $3,885-65.7% | $5,851-77.3% |
| Admin fee / account holder | $2,232 | $6,175-63.9% | $5,354-58.3% | $11,599-80.8% |