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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 | $46,596 | $69,383-32.8% | $101,271-54.0% | $73,493-36.6% |
| Participation rate | 37.6% | 68.4%-30.8pp | 75.8%-38.2pp | 70.7%-33.1pp |
| Annual return | 11.10% | 18.46%-7.4pp | 46.48%-35.4pp | 28.51%-17.4pp |
| Employer contribution / active EE | $0 | $2,628-100.0% | $3,660-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,456 | $3,301-55.9% | $4,371-66.7% | $3,740-61.1% |
| Admin fee / account holder | $4,742 | $704+573.8% | $5,948-20.3% | $513+824.2% |