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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 | $14,201 | $36,140-60.7% | $73,658-80.7% | $64,340-77.9% |
| Participation rate | 38.2% | 31.0%+7.2pp | 57.0%-18.8pp | 55.2%-17.0pp |
| Annual return | 12.00% | 21.48%-9.5pp | 29.72%-17.7pp | 24.14%-12.1pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,521 | $1,023+48.7% | $2,062-26.2% | $2,980-49.0% |
| Admin fee / account holder | $2,708 | $2,513+7.8% | $3,357-19.3% | $3,703-26.9% |