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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 | $37,840 | $69,590-45.6% | $136,867-72.4% | $94,015-59.8% |
| Participation rate | 56.0% | 66.3%-10.3pp | 74.5%-18.5pp | 70.8%-14.8pp |
| Annual return | 10.73% | 19.62%-8.9pp | 42.97%-32.2pp | 17.84%-7.1pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,547-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,758 | $3,437-48.8% | $4,924-64.3% | $4,249-58.6% |
| Admin fee / account holder | $511 | $8,912-94.3% | $10,340-95.1% | $8,951-94.3% |