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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 | $31,225 | $77,460-59.7% | $100,378-68.9% | $80,925-61.4% |
| Participation rate | 37.3% | 76.9%-39.7pp | 81.5%-44.2pp | 67.7%-30.4pp |
| Annual return | 5.57% | 37.24%-31.7pp | 49.41%-43.8pp | 35.65%-30.1pp |
| Employer contribution / active EE | $0 | $2,801-100.0% | $3,942-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,302 | $6,818-36.9% | $8,087-46.8% | $4,299+0.1% |
| Admin fee / account holder | $9,006 | $5,887+53.0% | $7,899+14.0% | $6,940+29.8% |