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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 | $51,207-31.0% | $70,565-49.9% | $71,529-50.6% |
| Participation rate | 39.8% | 59.4%-19.5pp | 68.4%-28.5pp | 67.9%-28.1pp |
| Annual return | 12.73% | 42.71%-30.0pp | 32.79%-20.1pp | 28.97%-16.2pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $2,976-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,528 | $3,033-49.6% | $4,568-66.6% | $4,291-64.4% |
| Admin fee / account holder | $3,066 | $2,002+53.2% | $6,430-52.3% | $1,588+93.0% |