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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 | $67,595-5.5% | $186,193-65.7% | $64,340-0.7% |
| Participation rate | 32.8% | 51.9%-19.2pp | 77.1%-44.3pp | 55.2%-22.5pp |
| Annual return | 13.27% | 17.46%-4.2pp | 78.03%-64.8pp | 24.14%-10.9pp |
| Employer contribution / active EE | $0 | $1,513-100.0% | $3,918-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,563 | $3,023-48.3% | $6,513-76.0% | $2,980-47.6% |
| Admin fee / account holder | $13,667 | $5,311+157.3% | $11,058+23.6% | $3,703+269.1% |