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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 | $72,388 | $80,983-10.6% | $96,544-25.0% | $75,177-3.7% |
| Participation rate | 48.8% | 71.8%-23.0pp | 76.0%-27.1pp | 67.2%-18.4pp |
| Annual return | 3.01% | 27.05%-24.0pp | 25.88%-22.9pp | 160.75%-157.7pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,966-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,257 | $3,929-42.6% | $4,851-53.5% | $4,126-45.3% |
| Admin fee / account holder | $3,179 | $6,717-52.7% | $8,254-61.5% | $5,651-43.7% |