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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 | $50,448 | $45,079+11.9% | $69,461-27.4% | $72,983-30.9% |
| Participation rate | 18.4% | 68.5%-50.1pp | 74.6%-56.2pp | 69.5%-51.1pp |
| Annual return | 2.34% | 22.65%-20.3pp | 28.97%-26.6pp | 81.01%-78.7pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,779-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,037 | $2,603-60.2% | $3,536-70.7% | $3,608-71.3% |
| Admin fee / account holder | $1,648 | $3,056-46.1% | $3,840-57.1% | $5,124-67.8% |