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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 | $128,376 | $85,766+49.7% | $136,298-5.8% | $70,126+83.1% |
| Participation rate | 40.5% | 74.2%-33.6pp | 81.9%-41.4pp | 69.5%-29.0pp |
| Annual return | 9.01% | 31.46%-22.4pp | 5156.27%-5147.3pp | 73.15%-64.1pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,658 | $5,051+12.0% | $6,247-9.4% | $3,332+69.8% |
| Admin fee / account holder | $326 | $5,421-94.0% | $9,244-96.5% | $4,645-93.0% |