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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 | $25,054 | $54,541-54.1% | $78,778-68.2% | $70,126-64.3% |
| Participation rate | 25.0% | 60.8%-35.8pp | 69.2%-44.2pp | 69.5%-44.5pp |
| Annual return | 4.98% | 21.07%-16.1pp | 35.62%-30.6pp | 73.15%-68.2pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,386 | $2,210+8.0% | $2,958-19.3% | $3,332-28.4% |
| Admin fee / account holder | $4,988 | $3,709+34.5% | $5,134-2.8% | $4,645+7.4% |