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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 | $55,309 | $36,948+49.7% | $73,658-24.9% | $87,485-36.8% |
| Participation rate | 53.8% | 46.8%+7.0pp | 57.0%-3.2pp | 68.9%-15.1pp |
| Annual return | 11.89% | 28.64%-16.7pp | 29.72%-17.8pp | 26.06%-14.2pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,905 | $1,379+110.7% | $2,062+40.9% | $4,274-32.0% |
| Admin fee / account holder | $1,471 | $2,531-41.9% | $3,357-56.2% | $7,775-81.1% |