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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 | $54,229 | $46,877+15.7% | $122,354-55.7% | $70,126-22.7% |
| Participation rate | 12.7% | 58.2%-45.5pp | 71.6%-59.0pp | 69.5%-56.9pp |
| Annual return | 10.05% | 24.22%-14.2pp | 30.28%-20.2pp | 73.15%-63.1pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,107 | $2,167-48.9% | $3,287-66.3% | $3,332-66.8% |
| Admin fee / account holder | $5,061 | $3,324+52.3% | $5,479-7.6% | $4,645+8.9% |