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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 | $49,483 | $36,140+36.9% | $73,658-32.8% | $64,340-23.1% |
| Participation rate | 33.3% | 31.0%+2.3pp | 57.0%-23.7pp | 55.2%-21.9pp |
| Annual return | 10.71% | 21.48%-10.8pp | 29.72%-19.0pp | 24.14%-13.4pp |
| Employer contribution / active EE | $1 | $443-99.9% | $1,032-99.9% | $1,862-100.0% |
| Participant deferral / active EE | $1,229 | $1,023+20.1% | $2,062-40.4% | $2,980-58.8% |
| Admin fee / account holder | $11,730 | $2,513+366.8% | $3,357+249.5% | $3,703+216.8% |