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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 | $36,189 | $79,961-54.7% | $98,462-63.2% | $75,177-51.9% |
| Participation rate | 42.5% | 70.4%-27.9pp | 75.2%-32.7pp | 67.2%-24.7pp |
| Annual return | 9.90% | 19.75%-9.9pp | 21.17%-11.3pp | 160.75%-150.9pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,401 | $3,753-36.0% | $4,738-49.3% | $4,126-41.8% |
| Admin fee / account holder | $3,599 | $6,842-47.4% | $8,875-59.4% | $5,651-36.3% |