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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 | $54,992 | $78,027-29.5% | $178,528-69.2% | $80,925-32.0% |
| Participation rate | 25.0% | 65.7%-40.7pp | 77.1%-52.1pp | 67.7%-42.7pp |
| Annual return | 9.79% | 18.09%-8.3pp | 27.11%-17.3pp | 35.65%-25.9pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,420 | $4,408-67.8% | $6,278-77.4% | $4,299-67.0% |
| Admin fee / account holder | $532 | $7,168-92.6% | $10,419-94.9% | $6,940-92.3% |