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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 | $38,565 | $165,939-76.8% | $122,354-68.5% | $147,586-73.9% |
| Participation rate | 45.0% | 79.6%-34.6pp | 71.6%-26.6pp | 82.8%-37.8pp |
| Annual return | 6.52% | 34.56%-28.0pp | 30.28%-23.8pp | 578.59%-572.1pp |
| Employer contribution / active EE | $0 | $5,754-100.0% | $4,051-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,370 | $4,005-65.8% | $3,287-58.3% | $5,439-74.8% |
| Admin fee / account holder | $2,890 | $7,425-61.1% | $5,479-47.3% | $10,886-73.5% |