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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 | $91,581 | $71,230+28.6% | $93,727-2.3% | $80,959+13.1% |
| Participation rate | 37.8% | 60.4%-22.6pp | 68.7%-31.0pp | 67.7%-29.9pp |
| Annual return | 5.70% | 11.26%-5.6pp | 133.83%-128.1pp | 35.67%-30.0pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,953 | $4,037-51.6% | $4,417-55.8% | $4,300-54.6% |
| Admin fee / account holder | $4,114 | $6,961-40.9% | $8,292-50.4% | $6,925-40.6% |