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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 | $53,810 | $52,306+2.9% | $69,779-22.9% | $62,881-14.4% |
| Participation rate | 46.8% | 67.2%-20.4pp | 71.8%-25.0pp | 69.3%-22.5pp |
| Annual return | 3.35% | 13.35%-10.0pp | 12.99%-9.6pp | 20.14%-16.8pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,338-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,408 | $2,395+42.3% | $2,931+16.3% | $3,203+6.4% |
| Admin fee / account holder | $1,269 | $3,691-65.6% | $4,381-71.0% | $4,296-70.5% |