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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 | $33,616 | $81,358-58.7% | $155,556-78.4% | $80,959-58.5% |
| Participation rate | 24.4% | 66.3%-41.8pp | 78.2%-53.8pp | 67.7%-43.2pp |
| Annual return | 7.13% | 33.39%-26.3pp | 64.84%-57.7pp | 35.67%-28.5pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,398 | $3,455-59.5% | $5,631-75.2% | $4,300-67.5% |
| Admin fee / account holder | $16,212 | $7,994+102.8% | $15,885+2.1% | $6,925+134.1% |