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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 | $41,297 | $79,557-48.1% | $118,746-65.2% | $70,126-41.1% |
| Participation rate | 69.6% | 71.4%-1.8pp | 78.3%-8.7pp | 69.5%0pp |
| Annual return | 11.56% | 25.64%-14.1pp | 24.54%-13.0pp | 73.15%-61.6pp |
| Employer contribution / active EE | $0 | $2,861-100.0% | $4,193-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,808 | $4,089-31.3% | $5,332-47.3% | $3,332-15.7% |
| Admin fee / account holder | $3,987 | $5,374-25.8% | $10,720-62.8% | $4,645-14.2% |