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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 | $85,778 | $49,897+71.9% | $80,648+6.4% | $75,177+14.1% |
| Participation rate | 22.1% | 55.3%-33.3pp | 67.0%-44.9pp | 67.2%-45.1pp |
| Annual return | 13.84% | 34.68%-20.8pp | 937.21%-923.4pp | 160.75%-146.9pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,724-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,461 | $2,992-51.2% | $4,443-67.1% | $4,126-64.6% |
| Admin fee / account holder | $3,093 | $3,579-13.6% | $5,382-42.5% | $5,651-45.3% |