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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 | $39,887 | $77,574-48.6% | $108,753-63.3% | $86,983-54.1% |
| Participation rate | 27.7% | 62.3%-34.6pp | 71.1%-43.4pp | 69.5%-41.8pp |
| Annual return | 10.77% | 18.42%-7.7pp | 37.47%-26.7pp | 25.83%-15.1pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,044 | $3,128-2.7% | $4,115-26.0% | $4,194-27.4% |
| Admin fee / account holder | $7,730 | $6,529+18.4% | $10,320-25.1% | $7,856-1.6% |