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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 | $31,135 | $41,377-24.8% | $109,313-71.5% | $62,881-50.5% |
| Participation rate | 40.7% | 57.5%-16.8pp | 71.3%-30.5pp | 69.3%-28.6pp |
| Annual return | 4.80% | 11.05%-6.2pp | 22.07%-17.3pp | 20.14%-15.3pp |
| Employer contribution / active EE | $0 | $1,276-100.0% | $3,892-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,015 | $2,045-50.3% | $3,166-67.9% | $3,203-68.3% |
| Admin fee / account holder | $1,480 | $2,884-48.7% | $5,666-73.9% | $4,296-65.5% |