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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 | $68,852-42.6% | $120,524-67.2% | $80,925-51.2% |
| Participation rate | 27.6% | 61.6%-34.0pp | 71.9%-44.3pp | 67.7%-40.1pp |
| Annual return | 9.80% | 23.67%-13.9pp | 107.36%-97.6pp | 35.65%-25.8pp |
| Employer contribution / active EE | $0 | $2,063-100.0% | $3,469-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,763 | $3,187-44.7% | $4,994-64.7% | $4,299-59.0% |
| Admin fee / account holder | $2,575 | $5,781-55.5% | $9,440-72.7% | $6,940-62.9% |