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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 | $28,233 | $105,623-73.3% | $87,502-67.7% | $273,972-89.7% |
| Participation rate | 63.2% | 78.2%-15.0pp | 73.8%-10.7pp | 83.0%-19.9pp |
| Annual return | 0.39% | 12.26%-11.9pp | 12.21%-11.8pp | 41.46%-41.1pp |
| Employer contribution / active EE | $0 | $3,141-100.0% | $2,550-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $901 | $3,601-75.0% | $3,149-71.4% | $5,287-83.0% |
| Admin fee / account holder | $1,356 | $4,781-71.6% | $4,221-67.9% | $10,133-86.6% |