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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 | $48,613 | $54,763-11.2% | $90,324-46.2% | $72,976-33.4% |
| Participation rate | 34.2% | 65.2%-30.9pp | 73.3%-39.1pp | 69.5%-35.3pp |
| Annual return | 16.05% | 30.63%-14.6pp | 78.15%-62.1pp | 81.02%-65.0pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,856-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,395 | $2,887-51.7% | $3,885-64.1% | $3,608-61.3% |
| Admin fee / account holder | $422 | $3,973-89.4% | $5,356-92.1% | $5,124-91.8% |