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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 | $69,778 | $104,251-33.1% | $91,004-23.3% | $147,586-52.7% |
| Participation rate | 63.2% | 78.2%-15.1pp | 75.6%-12.4pp | 82.8%-19.7pp |
| Annual return | 7.69% | 27.06%-19.4pp | 4.60%+3.1pp | 578.59%-570.9pp |
| Employer contribution / active EE | $0 | $3,116-100.0% | $2,456-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $4,183 | $4,195-0.3% | $3,548+17.9% | $5,439-23.1% |
| Admin fee / account holder | $615 | $8,948-93.1% | $5,417-88.6% | $10,886-94.4% |