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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 | $41,544 | $56,544-26.5% | $75,501-45.0% | $70,126-40.8% |
| Participation rate | 57.4% | 68.1%-10.8pp | 72.4%-15.0pp | 69.5%-12.2pp |
| Annual return | 10.86% | 23.59%-12.7pp | 27.35%-16.5pp | 73.15%-62.3pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,271 | $2,580-12.0% | $3,142-27.7% | $3,332-31.8% |
| Admin fee / account holder | $4,212 | $3,827+10.1% | $5,801-27.4% | $4,645-9.3% |