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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 | $54,704 | $62,672-12.7% | $185,117-70.4% | $70,126-22.0% |
| Participation rate | 39.3% | 63.8%-24.5pp | 77.3%-38.0pp | 69.5%-30.3pp |
| Annual return | 10.05% | 40.79%-30.7pp | 40.50%-30.5pp | 73.15%-63.1pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,413 | $3,272-56.8% | $5,045-72.0% | $3,332-57.6% |
| Admin fee / account holder | $1,626 | $3,932-58.6% | $8,159-80.1% | $4,645-65.0% |