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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 | $33,693 | $106,749-68.4% | $145,433-76.8% | $82,448-59.1% |
| Participation rate | 31.6% | 75.6%-44.1pp | 82.1%-50.5pp | 68.1%-36.5pp |
| Annual return | 12.88% | 27.59%-14.7pp | 66.58%-53.7pp | 41.64%-28.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,087 | $6,519-52.6% | $7,897-60.9% | $4,139-25.4% |
| Admin fee / account holder | $3,431 | $8,390-59.1% | $13,129-73.9% | $7,234-52.6% |