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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 | $41,120 | $49,239-16.5% | $70,462-41.6% | $79,858-48.5% |
| Participation rate | 65.2% | 69.2%-4.0pp | 75.1%-9.8pp | 69.6%-4.4pp |
| Annual return | 3.01% | 30.08%-27.1pp | 109.08%-106.1pp | 31.72%-28.7pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,737-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,064 | $2,769-25.5% | $3,710-44.4% | $3,740-44.8% |
| Admin fee / account holder | $413 | $2,876-85.7% | $3,845-89.3% | $5,306-92.2% |