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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 | $46,476 | $57,590-19.3% | $86,233-46.1% | $82,448-43.6% |
| Participation rate | 43.0% | 57.9%-14.8pp | 69.0%-26.0pp | 68.1%-25.0pp |
| Annual return | 13.47% | 22.41%-8.9pp | 61.39%-47.9pp | 41.64%-28.2pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,506 | $3,080-51.1% | $4,559-67.0% | $4,139-63.6% |
| Admin fee / account holder | $11,873 | $4,730+151.0% | $8,342+42.3% | $7,234+64.1% |