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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 | $47,795 | $108,825-56.1% | $156,181-69.4% | $82,448-42.0% |
| Participation rate | 61.4% | 72.4%-11.0pp | 78.8%-17.5pp | 68.1%-6.7pp |
| Annual return | 9.90% | 20.59%-10.7pp | 64.87%-55.0pp | 41.64%-31.7pp |
| Employer contribution / active EE | $5 | $2,870-99.8% | $4,294-99.9% | $2,551-99.8% |
| Participant deferral / active EE | $2,916 | $4,577-36.3% | $6,132-52.5% | $4,139-29.6% |
| Admin fee / account holder | $17,008 | $9,341+82.1% | $14,586+16.6% | $7,234+135.1% |