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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 | $45,274 | $93,617-51.6% | $135,982-66.7% | $75,177-39.8% |
| Participation rate | 16.7% | 75.2%-58.5pp | 81.9%-65.3pp | 67.2%-50.5pp |
| Annual return | 11.67% | 30.89%-19.2pp | 68.32%-56.7pp | 160.75%-149.1pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,201 | $6,406-50.0% | $7,760-58.8% | $4,126-22.4% |
| Admin fee / account holder | $14,117 | $6,980+102.3% | $10,767+31.1% | $5,651+149.8% |