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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 | $43,525 | $49,138-11.4% | $84,023-48.2% | $65,186-33.2% |
| Participation rate | 29.9% | 60.7%-30.8pp | 69.0%-39.1pp | 70.2%-40.3pp |
| Annual return | 15.25% | 23.00%-7.7pp | 71.32%-56.1pp | 29.39%-14.1pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,411 | $2,397-41.1% | $3,239-56.4% | $3,514-59.8% |
| Admin fee / account holder | $580 | $543+6.8% | $6,102-90.5% | $847-31.5% |