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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 | $55,225 | $138,393-60.1% | $184,256-70.0% | $80,959-31.8% |
| Participation rate | 52.0% | 83.9%-31.9pp | 86.8%-34.8pp | 67.7%-15.7pp |
| Annual return | 9.81% | 20.01%-10.2pp | 28.85%-19.0pp | 35.67%-25.9pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,571 | $7,076-7.1% | $9,133-28.1% | $4,300+52.8% |
| Admin fee / account holder | $4,618 | $10,489-56.0% | $13,899-66.8% | $6,925-33.3% |