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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 | $40,275 | $93,598-57.0% | $135,974-70.4% | $75,173-46.4% |
| Participation rate | 46.4% | 75.2%-28.8pp | 81.9%-35.5pp | 67.2%-20.8pp |
| Annual return | 14.42% | 30.89%-16.5pp | 68.30%-53.9pp | 160.72%-146.3pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,529 | $6,405-29.3% | $7,760-41.6% | $4,126+9.7% |
| Admin fee / account holder | $15,597 | $6,978+123.5% | $10,767+44.9% | $5,651+176.0% |