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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 | $29,553 | $76,550-61.4% | $123,894-76.1% | $62,881-53.0% |
| Participation rate | 55.6% | 73.0%-17.4pp | 81.4%-25.9pp | 69.3%-13.7pp |
| Annual return | 3.59% | 18.67%-15.1pp | 47.52%-43.9pp | 20.14%-16.6pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,949 | $4,840-39.1% | $5,984-50.7% | $3,203-7.9% |
| Admin fee / account holder | $14,968 | $4,826+210.2% | $8,357+79.1% | $4,296+248.4% |