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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 | $32,557 | $72,012-54.8% | $185,827-82.5% | $79,858-59.2% |
| Participation rate | 32.5% | 65.8%-33.3pp | 78.0%-45.5pp | 69.6%-37.1pp |
| Annual return | 9.21% | 23.12%-13.9pp | 35.96%-26.8pp | 31.72%-22.5pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,087-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,466 | $3,779-61.2% | $5,633-74.0% | $3,740-60.8% |
| Admin fee / account holder | $5,800 | $4,513+28.5% | $9,502-39.0% | $5,306+9.3% |