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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 | $73,787-45.9% | $98,716-59.6% | $82,448-51.6% |
| Participation rate | 27.7% | 61.4%-33.7pp | 69.3%-41.6pp | 68.1%-40.4pp |
| Annual return | 10.77% | 18.57%-7.8pp | 31.81%-21.0pp | 41.64%-30.9pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,044 | $3,081-1.2% | $4,048-24.8% | $4,139-26.5% |
| Admin fee / account holder | $7,730 | $6,500+18.9% | $8,703-11.2% | $7,234+6.9% |