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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 | $74,050 | $66,402+11.5% | $109,895-32.6% | $85,856-13.8% |
| Participation rate | 27.6% | 63.9%-36.3pp | 74.2%-46.6pp | 69.3%-41.7pp |
| Annual return | 2.20% | 19.59%-17.4pp | 29.46%-27.3pp | 318.58%-316.4pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,843-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,893 | $2,842-33.4% | $4,049-53.2% | $3,952-52.1% |
| Admin fee / account holder | $3,116 | $4,557-31.6% | $6,067-48.6% | $6,261-50.2% |