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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 | $41,051 | $97,648-58.0% | $121,663-66.3% | $87,485-53.1% |
| Participation rate | 60.4% | 70.5%-10.1pp | 74.5%-14.1pp | 68.9%-8.5pp |
| Annual return | 7.18% | 18.03%-10.8pp | 147.54%-140.4pp | 26.06%-18.9pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,603 | $3,923-33.6% | $4,887-46.7% | $4,274-39.1% |
| Admin fee / account holder | $888 | $11,100-92.0% | $14,289-93.8% | $7,775-88.6% |