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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 | $46,199 | $97,648-52.7% | $121,663-62.0% | $87,485-47.2% |
| Participation rate | 43.2% | 70.5%-27.2pp | 74.5%-31.2pp | 68.9%-25.7pp |
| Annual return | 11.48% | 18.03%-6.5pp | 147.54%-136.1pp | 26.06%-14.6pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,478 | $3,923-36.8% | $4,887-49.3% | $4,274-42.0% |
| Admin fee / account holder | $2,626 | $11,100-76.3% | $14,289-81.6% | $7,775-66.2% |