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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 | $59,214 | $65,246-9.2% | $98,716-40.0% | $67,986-12.9% |
| Participation rate | 47.4% | 51.4%-4.0pp | 69.3%-21.9pp | 57.2%-9.8pp |
| Annual return | 12.48% | 20.58%-8.1pp | 31.81%-19.3pp | 31.67%-19.2pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,471 | $2,594-43.3% | $4,048-63.7% | $3,358-56.2% |
| Admin fee / account holder | $619 | $4,561-86.4% | $8,703-92.9% | $3,203-80.7% |