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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 | $63,861 | $66,673-4.2% | $203,872-68.7% | $65,306-2.2% |
| Participation rate | 32.8% | 53.8%-21.0pp | 77.8%-45.0pp | 57.7%-24.9pp |
| Annual return | 13.27% | 15.81%-2.5pp | 85.11%-71.8pp | 21.94%-8.7pp |
| Employer contribution / active EE | $0 | $1,702-100.0% | $3,757-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,563 | $2,944-46.9% | $6,388-75.5% | $2,959-47.2% |
| Admin fee / account holder | $13,667 | $5,686+140.3% | $11,730+16.5% | $3,480+292.7% |