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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 | $24,460 | $81,487-70.0% | $102,412-76.1% | $80,935-69.8% |
| Participation rate | 64.7% | 66.8%-2.1pp | 74.5%-9.8pp | 67.7%-3.0pp |
| Annual return | 8.40% | 25.60%-17.2pp | 24.94%-16.5pp | 35.66%-27.3pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,965 | $3,871-49.2% | $5,060-61.2% | $4,299-54.3% |
| Admin fee / account holder | $1,208 | $6,717-82.0% | $8,388-85.6% | $6,924-82.6% |