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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 | $51,760 | $68,880-24.9% | $120,580-57.1% | $80,959-36.1% |
| Participation rate | 61.1% | 61.7%-0.6pp | 72.0%-10.8pp | 67.7%-6.6pp |
| Annual return | 8.46% | 23.68%-15.2pp | 107.48%-99.0pp | 35.67%-27.2pp |
| Employer contribution / active EE | $0 | $2,066-100.0% | $3,469-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,639 | $3,191-17.3% | $4,995-47.2% | $4,300-38.6% |
| Admin fee / account holder | $15,507 | $5,785+168.0% | $9,418+64.6% | $6,925+123.9% |