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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 | $49,312 | $138,393-64.4% | $184,256-73.2% | $80,959-39.1% |
| Participation rate | 46.7% | 83.9%-37.2pp | 86.8%-40.2pp | 67.7%-21.0pp |
| Annual return | 9.59% | 20.01%-10.4pp | 28.85%-19.3pp | 35.67%-26.1pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,221 | $7,076-40.4% | $9,133-53.8% | $4,300-1.8% |
| Admin fee / account holder | $13,248 | $10,489+26.3% | $13,899-4.7% | $6,925+91.3% |