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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 | $84,663 | $74,535+13.6% | $100,712-15.9% | $82,637+2.5% |
| Participation rate | 29.5% | 61.2%-31.6pp | 69.3%-39.7pp | 68.1%-38.5pp |
| Annual return | 12.01% | 18.92%-6.9pp | 33.27%-21.3pp | 53.51%-41.5pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,552 | $3,074-17.0% | $4,085-37.5% | $4,126-38.1% |
| Admin fee / account holder | $5,078 | $6,576-22.8% | $9,256-45.1% | $7,339-30.8% |