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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 | $45,103 | $106,749-57.7% | $145,433-69.0% | $82,448-45.3% |
| Participation rate | 46.4% | 75.6%-29.3pp | 82.1%-35.7pp | 68.1%-21.7pp |
| Annual return | 12.43% | 27.59%-15.2pp | 66.58%-54.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $7,610 | $6,519+16.7% | $7,897-3.6% | $4,139+83.8% |
| Admin fee / account holder | $4,037 | $8,390-51.9% | $13,129-69.3% | $7,234-44.2% |