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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 | $48,845 | $138,386-64.7% | $184,260-73.5% | $80,935-39.7% |
| Participation rate | 45.5% | 83.9%-38.4pp | 86.8%-41.4pp | 67.7%-22.2pp |
| Annual return | 10.06% | 20.02%-10.0pp | 28.84%-18.8pp | 35.66%-25.6pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,418 | $7,076-51.7% | $9,133-62.6% | $4,299-20.5% |
| Admin fee / account holder | $2,795 | $10,489-73.4% | $13,898-79.9% | $6,924-59.6% |