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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 | $55,120 | $70,418-21.7% | $96,570-42.9% | $85,847-35.8% |
| Participation rate | 30.2% | 61.8%-31.6pp | 69.8%-39.6pp | 69.3%-39.1pp |
| Annual return | 4.31% | 18.59%-14.3pp | 37.79%-33.5pp | 318.61%-314.3pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,177 | $2,894+9.8% | $3,849-17.5% | $3,952-19.6% |
| Admin fee / account holder | $1,866 | $4,995-62.6% | $6,182-69.8% | $6,261-70.2% |