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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 | $22,400 | $81,331-72.5% | $155,534-85.6% | $80,935-72.3% |
| Participation rate | 51.6% | 66.3%-14.6pp | 78.2%-26.6pp | 67.7%-16.0pp |
| Annual return | 10.13% | 33.37%-23.2pp | 64.92%-54.8pp | 35.66%-25.5pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,266 | $3,454-34.4% | $5,630-59.8% | $4,299-47.3% |
| Admin fee / account holder | $3,228 | $7,999-59.6% | $15,900-79.7% | $6,924-53.4% |