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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 | $39,437 | $65,712-40.0% | $57,196-31.0% | $273,972-85.6% |
| Participation rate | 45.0% | 78.3%-33.3pp | 75.3%-30.3pp | 83.0%-38.0pp |
| Annual return | 0.94% | 22.01%-21.1pp | 14.59%-13.6pp | 41.46%-40.5pp |
| Employer contribution / active EE | $0 | $3,280-100.0% | $2,683-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,100 | $3,782-70.9% | $3,096-64.5% | $5,287-79.2% |
| Admin fee / account holder | $689 | $4,838-85.8% | $3,141-78.1% | $10,133-93.2% |