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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 | $36,758 | $81,208-54.7% | $98,916-62.8% | $79,858-54.0% |
| Participation rate | 59.2% | 72.5%-13.3pp | 76.0%-16.8pp | 69.6%-10.5pp |
| Annual return | 8.88% | 60.99%-52.1pp | 196.45%-187.6pp | 31.72%-22.8pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,500 | $3,265+7.2% | $4,245-17.5% | $3,740-6.4% |
| Admin fee / account holder | $5,499 | $6,013-8.5% | $6,642-17.2% | $5,306+3.6% |