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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 | $36,691 | $79,867-54.1% | $120,344-69.5% | $64,340-43.0% |
| Participation rate | 38.1% | 63.0%-24.9pp | 76.7%-38.6pp | 55.2%-17.2pp |
| Annual return | 11.09% | 21.10%-10.0pp | 20.30%-9.2pp | 24.14%-13.1pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $5,329 | $3,593+48.3% | $5,135+3.8% | $2,980+78.8% |
| Admin fee / account holder | $11,046 | $5,039+119.2% | $12,742-13.3% | $3,703+198.3% |