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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 | $72,963 | $59,839+21.9% | $81,991-11.0% | $79,852-8.6% |
| Participation rate | 32.9% | 61.6%-28.7pp | 69.3%-36.3pp | 69.6%-36.7pp |
| Annual return | 7.14% | 17.56%-10.4pp | 41.31%-34.2pp | 31.72%-24.6pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,269 | $2,695+21.3% | $3,722-12.2% | $3,740-12.6% |
| Admin fee / account holder | $2,173 | $4,287-49.3% | $5,665-61.6% | $5,306-59.1% |