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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 | $20,641 | $57,140-63.9% | $85,240-75.8% | $80,959-74.5% |
| Participation rate | 32.3% | 56.4%-24.2pp | 67.5%-35.3pp | 67.7%-35.4pp |
| Annual return | 9.80% | 21.71%-11.9pp | 66.75%-57.0pp | 35.67%-25.9pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,768 | $3,115-43.2% | $4,527-60.9% | $4,300-58.9% |
| Admin fee / account holder | $1,840 | $4,992-63.1% | $6,165-70.2% | $6,925-73.4% |