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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 | $43,450 | $115,931-62.5% | $185,441-76.6% | $86,983-50.0% |
| Participation rate | 50.0% | 73.6%-23.6pp | 80.3%-30.3pp | 69.5%-19.5pp |
| Annual return | 8.04% | 21.47%-13.4pp | 20.16%-12.1pp | 25.83%-17.8pp |
| Employer contribution / active EE | $0 | $2,937-100.0% | $4,672-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $4,253 | $4,551-6.6% | $6,152-30.9% | $4,194+1.4% |
| Admin fee / account holder | $1,023 | $10,687-90.4% | $17,890-94.3% | $7,856-87.0% |