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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 | $32,612 | $77,908-58.1% | $149,696-78.2% | $75,173-56.6% |
| Participation rate | 69.0% | 65.6%+3.4pp | 78.8%-9.8pp | 67.2%+1.8pp |
| Annual return | 4.51% | 31.73%-27.2pp | 134.46%-129.9pp | 160.72%-156.2pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,003 | $3,411-70.6% | $5,682-82.3% | $4,126-75.7% |
| Admin fee / account holder | $1,301 | $5,950-78.1% | $13,212-90.2% | $5,651-77.0% |