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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 | $55,221 | $57,119-3.3% | $85,187-35.2% | $80,935-31.8% |
| Participation rate | 51.9% | 56.4%-4.6pp | 67.5%-15.7pp | 67.7%-15.8pp |
| Annual return | 9.54% | 21.70%-12.2pp | 66.67%-57.1pp | 35.66%-26.1pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,732-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,641 | $3,115-47.3% | $4,525-63.7% | $4,299-61.8% |
| Admin fee / account holder | $1,700 | $4,990-65.9% | $6,162-72.4% | $6,924-75.5% |