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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 | $94,031-56.3% | $115,768-64.5% | $82,448-50.2% |
| Participation rate | 60.4% | 70.4%-10.0pp | 74.4%-14.0pp | 68.1%-7.7pp |
| Annual return | 7.18% | 20.61%-13.4pp | 100.46%-93.3pp | 41.64%-34.5pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,603 | $3,972-34.5% | $4,917-47.1% | $4,139-37.1% |
| Admin fee / account holder | $888 | $10,249-91.3% | $12,439-92.9% | $7,234-87.7% |