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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 | $44,005 | $48,300-8.9% | $40,145,923-99.9% | $62,881-30.0% |
| Participation rate | 16.4% | 62.0%-45.6pp | 68.4%-52.0pp | 69.3%-52.9pp |
| Annual return | 3.04% | 6.95%-3.9pp | 5.24%-2.2pp | 20.14%-17.1pp |
| Employer contribution / active EE | $0 | $1,333-100.0% | $1,844-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $765 | $2,388-68.0% | $2,591-70.5% | $3,203-76.1% |
| Admin fee / account holder | $1,003 | $2,919-65.6% | $2,903-65.5% | $4,296-76.6% |