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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 | $89,746 | $102,429-12.4% | $147,096-39.0% | $80,925+10.9% |
| Participation rate | 51.4% | 75.9%-24.5pp | 82.2%-30.8pp | 67.7%-16.3pp |
| Annual return | 9.91% | 135.02%-125.1pp | 419.75%-409.8pp | 35.65%-25.7pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,224 | $6,649-21.4% | $8,071-35.3% | $4,299+21.5% |
| Admin fee / account holder | $1,759 | $7,957-77.9% | $13,005-86.5% | $6,940-74.7% |