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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 | $49,890 | $72,273-31.0% | $101,275-50.7% | $79,856-37.5% |
| Participation rate | 62.9% | 68.5%-5.6pp | 75.8%-13.0pp | 69.6%-6.8pp |
| Annual return | 8.67% | 22.30%-13.6pp | 46.48%-37.8pp | 31.71%-23.0pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,970 | $3,282-40.0% | $4,371-54.9% | $3,741-47.3% |
| Admin fee / account holder | $1,046 | $4,401-76.2% | $5,948-82.4% | $5,306-80.3% |