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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 | $30,930 | $91,198-66.1% | $178,503-82.7% | $79,856-61.3% |
| Participation rate | 49.1% | 69.2%-20.2pp | 81.9%-32.9pp | 69.6%-20.6pp |
| Annual return | 8.80% | 24.20%-15.4pp | 151.12%-142.3pp | 31.71%-22.9pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,314 | $3,237-28.5% | $5,202-55.5% | $3,741-38.1% |
| Admin fee / account holder | $4,116 | $6,748-39.0% | $13,987-70.6% | $5,306-22.4% |