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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 | $53,423 | $64,890-17.7% | $134,172-60.2% | $67,986-21.4% |
| Participation rate | 23.9% | 48.5%-24.6pp | 72.5%-48.6pp | 57.2%-33.3pp |
| Annual return | 10.52% | 16.12%-5.6pp | 25.30%-14.8pp | 31.67%-21.1pp |
| Employer contribution / active EE | $0 | $1,360-100.0% | $3,420-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,164 | $2,289-49.1% | $4,690-75.2% | $3,358-65.3% |
| Admin fee / account holder | $6,293 | $3,140+100.4% | $12,016-47.6% | $3,203+96.5% |