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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 | $32,020 | $56,110-42.9% | $94,993-66.3% | $70,126-54.3% |
| Participation rate | 29.0% | 65.0%-36.0pp | 73.9%-44.9pp | 69.5%-40.5pp |
| Annual return | 9.17% | 51.02%-41.9pp | 27.14%-18.0pp | 73.15%-64.0pp |
| Employer contribution / active EE | $0 | $1,442-100.0% | $2,603-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,218 | $2,391-49.0% | $3,317-63.3% | $3,332-63.4% |
| Admin fee / account holder | $1,117 | $3,456-67.7% | $4,960-77.5% | $4,645-76.0% |