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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 | $90,397 | $123,478-26.8% | $216,567-58.3% | $94,015-3.8% |
| Participation rate | 54.5% | 75.1%-20.6pp | 81.6%-27.1pp | 70.8%-16.3pp |
| Annual return | 8.42% | 23.61%-15.2pp | 12.94%-4.5pp | 17.84%-9.4pp |
| Employer contribution / active EE | $0 | $3,136-100.0% | $5,216-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,964 | $4,556-34.9% | $6,191-52.1% | $4,249-30.2% |
| Admin fee / account holder | $8,167 | $12,753-36.0% | $21,981-62.8% | $8,951-8.8% |