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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 | $62,878 | $78,670-20.1% | $109,173-42.4% | $85,847-26.8% |
| Participation rate | 48.8% | 68.3%-19.5pp | 75.9%-27.1pp | 69.3%-20.5pp |
| Annual return | 9.57% | 25.09%-15.5pp | 25.75%-16.2pp | 318.61%-309.0pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,298 | $3,467-4.9% | $4,654-29.1% | $3,952-16.6% |
| Admin fee / account holder | $7,470 | $5,469+36.6% | $6,755+10.6% | $6,261+19.3% |