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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 | $74,661-14.5% | $160,784-60.3% | $67,986-6.1% |
| Participation rate | 32.8% | 57.1%-24.3pp | 77.0%-44.2pp | 57.2%-24.4pp |
| Annual return | 13.27% | 28.83%-15.6pp | 1803.92%-1790.6pp | 31.67%-18.4pp |
| Employer contribution / active EE | $0 | $1,829-100.0% | $3,733-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,563 | $3,681-57.5% | $6,293-75.2% | $3,358-53.5% |
| Admin fee / account holder | $13,667 | $3,959+245.2% | $9,717+40.7% | $3,203+326.7% |