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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 | $46,978 | $65,034-27.8% | $90,970-48.4% | $79,856-41.2% |
| Participation rate | 32.7% | 61.6%-29.0pp | 69.0%-36.4pp | 69.6%-37.0pp |
| Annual return | 4.40% | 30.45%-26.1pp | 134.60%-130.2pp | 31.71%-27.3pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,467 | $2,512-41.6% | $3,373-56.5% | $3,741-60.8% |
| Admin fee / account holder | $3,852 | $4,536-15.1% | $5,961-35.4% | $5,306-27.4% |