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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 | $30,148 | $76,407-60.5% | $150,298-79.9% | $82,448-63.4% |
| Participation rate | 53.3% | 66.4%-13.1pp | 77.8%-24.4pp | 68.1%-14.7pp |
| Annual return | 11.85% | 39.99%-28.1pp | 62.79%-50.9pp | 41.64%-29.8pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,959 | $3,214-39.1% | $5,453-64.1% | $4,139-52.7% |
| Admin fee / account holder | $826 | $6,352-87.0% | $14,116-94.1% | $7,234-88.6% |