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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 | $35,331 | $51,045-30.8% | $70,525-49.9% | $71,476-50.6% |
| Participation rate | 39.8% | 59.4%-19.6pp | 68.4%-28.5pp | 67.9%-28.1pp |
| Annual return | 12.73% | 42.63%-29.9pp | 32.76%-20.0pp | 28.85%-16.1pp |
| Employer contribution / active EE | $0 | $1,790-100.0% | $2,974-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,528 | $3,026-49.5% | $4,567-66.5% | $4,290-64.4% |
| Admin fee / account holder | $3,066 | $1,994+53.8% | $6,413-52.2% | $1,587+93.1% |