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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 | $87,034 | $52,306+66.4% | $69,779+24.7% | $62,881+38.4% |
| Participation rate | 26.1% | 67.2%-41.1pp | 71.8%-45.7pp | 69.3%-43.2pp |
| Annual return | 3.02% | 13.35%-10.3pp | 12.99%-10.0pp | 20.14%-17.1pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,338-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,362 | $2,395-1.4% | $2,931-19.4% | $3,203-26.3% |
| Admin fee / account holder | $16,104 | $3,691+336.3% | $4,381+267.6% | $4,296+274.9% |