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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 | $45,225 | $81,276-44.4% | $155,574-70.9% | $80,925-44.1% |
| Participation rate | 7.3% | 66.2%-58.9pp | 78.2%-70.9pp | 67.7%-60.3pp |
| Annual return | 8.06% | 33.36%-25.3pp | 64.87%-56.8pp | 35.65%-27.6pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $966 | $3,453-72.0% | $5,629-82.8% | $4,299-77.5% |
| Admin fee / account holder | $496 | $7,993-93.8% | $15,914-96.9% | $6,940-92.8% |