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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 | $61,478 | $55,453+10.9% | $170,435-63.9% | $62,293-1.3% |
| Participation rate | 15.8% | 66.4%-50.6pp | 83.6%-67.8pp | 69.5%-53.7pp |
| Annual return | 10.76% | 21.38%-10.6pp | 205.94%-195.2pp | 28.90%-18.1pp |
| Employer contribution / active EE | $0 | $2,164-100.0% | $5,432-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,072 | $2,303-53.5% | $4,939-78.3% | $3,169-66.2% |
| Admin fee / account holder | $1,181 | $455+159.4% | $13,881-91.5% | $479+146.3% |