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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 | $30,356 | $51,604-41.2% | $129,295-76.5% | $80,874-62.5% |
| Participation rate | 44.6% | 57.0%-12.3pp | 69.6%-25.0pp | 67.6%-23.0pp |
| Annual return | 8.88% | 20.76%-11.9pp | 9429.28%-9420.4pp | 35.62%-26.7pp |
| Employer contribution / active EE | $0 | $1,585-100.0% | $4,157-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,279 | $2,670-14.6% | $4,169-45.3% | $4,297-47.0% |
| Admin fee / account holder | $5,281 | $4,310+22.5% | $7,665-31.1% | $6,935-23.9% |