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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 | $55,509 | $86,294-35.7% | $111,303-50.1% | $85,856-35.3% |
| Participation rate | 32.0% | 73.3%-41.3pp | 77.3%-45.3pp | 69.3%-37.3pp |
| Annual return | 10.74% | 19.99%-9.3pp | 54.66%-43.9pp | 318.58%-307.8pp |
| Employer contribution / active EE | $0 | $2,043-100.0% | $2,731-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,548 | $3,641+24.9% | $4,487+1.4% | $3,952+15.1% |
| Admin fee / account holder | $324 | $8,189-96.0% | $7,966-95.9% | $6,261-94.8% |