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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 | $39,526 | $73,787-46.4% | $98,716-60.0% | $82,448-52.1% |
| Participation rate | 37.5% | 61.4%-23.9pp | 69.3%-31.8pp | 68.1%-30.6pp |
| Annual return | 12.37% | 18.57%-6.2pp | 31.81%-19.4pp | 41.64%-29.3pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,003 | $3,081-2.5% | $4,048-25.8% | $4,139-27.5% |
| Admin fee / account holder | $2,571 | $6,500-60.4% | $8,703-70.5% | $7,234-64.5% |