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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 | $56,311 | $228,352-75.3% | $185,827-69.7% | $158,950-64.6% |
| Participation rate | 46.2% | 82.3%-36.2pp | 78.0%-31.9pp | 82.0%-35.8pp |
| Annual return | 4.51% | 40.81%-36.3pp | 35.96%-31.5pp | 302.91%-298.4pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,087-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $7,267 | $6,416+13.3% | $5,633+29.0% | $5,983+21.5% |
| Admin fee / account holder | $65,352 | $11,867+450.7% | $9,502+587.8% | $11,248+481.0% |