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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 | $22,107 | $81,476-72.9% | $102,383-78.4% | $80,925-72.7% |
| Participation rate | 26.5% | 66.8%-40.4pp | 74.5%-48.0pp | 67.7%-41.2pp |
| Annual return | 5.27% | 25.59%-20.3pp | 24.94%-19.7pp | 35.65%-30.4pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,990 | $3,871-48.6% | $5,060-60.7% | $4,299-53.7% |
| Admin fee / account holder | $1,426 | $6,717-78.8% | $8,391-83.0% | $6,940-79.4% |