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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 | $66,190 | $59,804+10.7% | $81,982-19.3% | $79,856-17.1% |
| Participation rate | 28.2% | 61.6%-33.5pp | 69.3%-41.1pp | 69.6%-41.5pp |
| Annual return | 4.95% | 17.56%-12.6pp | 41.31%-36.4pp | 31.71%-26.8pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,433 | $2,695-46.8% | $3,722-61.5% | $3,741-61.7% |
| Admin fee / account holder | $41,709 | $4,288+872.7% | $5,665+636.3% | $5,306+686.0% |