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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 | $57,309 | $87,834-34.8% | $133,975-57.2% | $62,881-8.9% |
| Participation rate | 64.9% | 83.4%-18.5pp | 87.1%-22.2pp | 69.3%-4.4pp |
| Annual return | 3.69% | 12.05%-8.4pp | 29.29%-25.6pp | 20.14%-16.5pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $6,784 | $4,812+41.0% | $6,282+8.0% | $3,203+111.8% |
| Admin fee / account holder | $1,811 | $5,372-66.3% | $9,324-80.6% | $4,296-57.8% |