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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 | $94,436-56.5% | $115,599-64.5% | $82,637-50.3% |
| Participation rate | 60.4% | 70.4%-10.0pp | 74.3%-13.9pp | 68.1%-7.6pp |
| Annual return | 7.18% | 18.37%-11.2pp | 111.10%-103.9pp | 53.51%-46.3pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,603 | $3,955-34.2% | $4,889-46.8% | $4,126-36.9% |
| Admin fee / account holder | $888 | $10,328-91.4% | $12,841-93.1% | $7,339-87.9% |