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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 | $36,219 | $78,520-53.9% | $96,576-62.5% | $82,448-56.1% |
| Participation rate | 42.9% | 77.7%-34.9pp | 81.4%-38.6pp | 68.1%-25.2pp |
| Annual return | 13.17% | 41.30%-28.1pp | 38.47%-25.3pp | 41.64%-28.5pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,303 | $6,754-21.5% | $7,956-33.3% | $4,139+28.1% |
| Admin fee / account holder | $3,224 | $13,455-76.0% | $11,381-71.7% | $7,234-55.4% |