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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 | $48,757 | $103,392-52.8% | $87,104-44.0% | $152,897-68.1% |
| Participation rate | 59.1% | 79.4%-20.3pp | 76.9%-17.8pp | 82.5%-23.4pp |
| Annual return | 9.94% | 28.10%-18.2pp | 28.19%-18.2pp | 345.43%-335.5pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,897 | $4,778-60.3% | $4,048-53.1% | $5,851-67.6% |
| Admin fee / account holder | $7,679 | $12,194-37.0% | $7,491+2.5% | $11,599-33.8% |