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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 | $37,388 | $86,949-57.0% | $102,460-63.5% | $80,959-53.8% |
| Participation rate | 46.9% | 72.4%-25.5pp | 76.5%-29.6pp | 67.7%-20.8pp |
| Annual return | 9.92% | 18.89%-9.0pp | 29.47%-19.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,305 | $4,121-44.1% | $5,056-54.4% | $4,300-46.4% |
| Admin fee / account holder | $807 | $8,048-90.0% | $9,460-91.5% | $6,925-88.3% |