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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 | $36,489 | $83,485-56.3% | $125,195-70.9% | $72,976-50.0% |
| Participation rate | 51.7% | 73.3%-21.6pp | 79.8%-28.1pp | 69.5%-17.8pp |
| Annual return | 9.63% | 25.77%-16.1pp | 43.79%-34.2pp | 81.02%-71.4pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,088 | $3,586+41.9% | $4,937+3.0% | $3,608+41.0% |
| Admin fee / account holder | $4,913 | $5,518-11.0% | $9,704-49.4% | $5,124-4.1% |