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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 | $45,023 | $45,312-0.6% | $86,233-47.8% | $67,986-33.8% |
| Participation rate | 36.5% | 42.4%-5.9pp | 69.0%-32.5pp | 57.2%-20.7pp |
| Annual return | 12.00% | 24.79%-12.8pp | 61.39%-49.4pp | 31.67%-19.7pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,355 | $2,185-38.0% | $4,559-70.3% | $3,358-59.7% |
| Admin fee / account holder | $1,166 | $3,295-64.6% | $8,342-86.0% | $3,203-63.6% |