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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 | $36,048 | $43,075-16.3% | $74,577-51.7% | $62,881-42.7% |
| Participation rate | 34.6% | 58.1%-23.4pp | 68.1%-33.5pp | 69.3%-34.7pp |
| Annual return | 2.77% | 17.50%-14.7pp | 20.47%-17.7pp | 20.14%-17.4pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $938 | $2,389-60.7% | $3,458-72.9% | $3,203-70.7% |
| Admin fee / account holder | $2,731 | $2,840-3.8% | $4,138-34.0% | $4,296-36.4% |