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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 | $39,520 | $68,880-42.6% | $120,580-67.2% | $80,959-51.2% |
| Participation rate | 27.6% | 61.7%-34.1pp | 72.0%-44.4pp | 67.7%-40.1pp |
| Annual return | 9.80% | 23.68%-13.9pp | 107.48%-97.7pp | 35.67%-25.9pp |
| Employer contribution / active EE | $0 | $2,066-100.0% | $3,469-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,763 | $3,191-44.8% | $4,995-64.7% | $4,300-59.0% |
| Admin fee / account holder | $2,575 | $5,785-55.5% | $9,418-72.7% | $6,925-62.8% |