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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 | $106,524-57.7% | $152,301-70.4% | $87,485-48.4% |
| Participation rate | 46.4% | 75.8%-29.4pp | 82.4%-36.1pp | 68.9%-22.6pp |
| Annual return | 12.43% | 26.89%-14.5pp | 80.50%-68.1pp | 26.06%-13.6pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $7,610 | $6,525+16.6% | $8,004-4.9% | $4,274+78.1% |
| Admin fee / account holder | $4,037 | $8,287-51.3% | $14,398-72.0% | $7,775-48.1% |