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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 | $151,262 | $181,896-16.8% | $156,551-3.4% | $273,972-44.8% |
| Participation rate | 42.1% | 88.4%-46.3pp | 84.0%-41.9pp | 83.0%-40.9pp |
| Annual return | 2.76% | 30.74%-28.0pp | 32.23%-29.5pp | 41.46%-38.7pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,426 | $5,550-38.3% | $4,871-29.7% | $5,287-35.2% |
| Admin fee / account holder | $6,675 | $15,560-57.1% | $13,028-48.8% | $10,133-34.1% |