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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 | $36,306 | $88,672-59.1% | $105,223-65.5% | $82,448-56.0% |
| Participation rate | 51.4% | 67.9%-16.5pp | 75.0%-23.6pp | 68.1%-16.6pp |
| Annual return | 10.00% | 30.86%-20.9pp | 180.65%-170.7pp | 41.64%-31.6pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,728 | $4,036-32.4% | $5,072-46.2% | $4,139-34.1% |
| Admin fee / account holder | $3,092 | $7,146-56.7% | $8,859-65.1% | $7,234-57.3% |