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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 | $54,853 | $59,440-7.7% | $78,004-29.7% | $82,637-33.6% |
| Participation rate | 42.3% | 62.8%-20.5pp | 69.4%-27.1pp | 68.1%-25.7pp |
| Annual return | 12.45% | 40.24%-27.8pp | 31.07%-18.6pp | 53.51%-41.1pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,414 | $3,138-23.1% | $4,092-41.0% | $4,126-41.5% |
| Admin fee / account holder | $11,469 | $5,504+108.4% | $7,578+51.4% | $7,339+56.3% |