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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 | $98,332 | $72,273+36.1% | $101,275-2.9% | $79,856+23.1% |
| Participation rate | 25.3% | 68.5%-43.2pp | 75.8%-50.5pp | 69.6%-44.4pp |
| Annual return | 0.13% | 22.30%-22.2pp | 46.48%-46.4pp | 31.71%-31.6pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,727 | $3,282-47.4% | $4,371-60.5% | $3,741-53.8% |
| Admin fee / account holder | $1,741 | $4,401-60.4% | $5,948-70.7% | $5,306-67.2% |