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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 | $64,685 | $52,580+23.0% | $71,671-9.7% | $70,126-7.8% |
| Participation rate | 41.0% | 60.9%-19.9pp | 68.7%-27.8pp | 69.5%-28.6pp |
| Annual return | 11.53% | 20.25%-8.7pp | 20.65%-9.1pp | 73.15%-61.6pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,856 | $2,386+19.7% | $3,438-16.9% | $3,332-14.3% |
| Admin fee / account holder | $16,696 | $3,653+357.1% | $5,558+200.4% | $4,645+259.4% |