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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 | $22,346 | $45,087-50.4% | $69,483-67.8% | $72,976-69.4% |
| Participation rate | 57.3% | 68.5%-11.1pp | 74.6%-17.3pp | 69.5%-12.2pp |
| Annual return | 3.40% | 22.67%-19.3pp | 28.99%-25.6pp | 81.02%-77.6pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,780-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,509 | $2,603-3.6% | $3,537-29.1% | $3,608-30.5% |
| Admin fee / account holder | $4,157 | $3,057+36.0% | $3,841+8.2% | $5,124-18.9% |