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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 | $61,081 | $101,795-40.0% | $165,100-63.0% | $80,959-24.6% |
| Participation rate | 31.0% | 71.8%-40.8pp | 78.6%-47.6pp | 67.7%-36.6pp |
| Annual return | 8.10% | 16.73%-8.6pp | 70.21%-62.1pp | 35.67%-27.6pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,007 | $4,476-55.2% | $6,035-66.8% | $4,300-53.3% |
| Admin fee / account holder | $2,205 | $8,221-73.2% | $12,696-82.6% | $6,925-68.2% |