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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 | $48,619 | $56,287-13.6% | $80,977-40.0% | $62,881-22.7% |
| Participation rate | 35.5% | 68.9%-33.5pp | 75.8%-40.3pp | 69.3%-33.8pp |
| Annual return | 5.00% | 22.13%-17.1pp | 17.11%-12.1pp | 20.14%-15.1pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,004 | $4,196-52.2% | $5,696-64.8% | $3,203-37.4% |
| Admin fee / account holder | $3,573 | $3,742-4.5% | $5,517-35.2% | $4,296-16.8% |