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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 | $60,806 | $65,041-6.5% | $90,965-33.2% | $79,858-23.9% |
| Participation rate | 22.9% | 61.6%-38.7pp | 69.0%-46.2pp | 69.6%-46.8pp |
| Annual return | 7.48% | 30.45%-23.0pp | 134.57%-127.1pp | 31.72%-24.2pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,143 | $2,512-54.5% | $3,373-66.1% | $3,740-69.4% |
| Admin fee / account holder | $4,068 | $4,536-10.3% | $5,960-31.7% | $5,306-23.3% |