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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 | $30,777 | $59,804-48.5% | $81,982-62.5% | $79,856-61.5% |
| Participation rate | 50.8% | 61.6%-10.8pp | 69.3%-18.5pp | 69.6%-18.8pp |
| Annual return | 9.26% | 17.56%-8.3pp | 41.31%-32.1pp | 31.71%-22.5pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,815 | $2,695-32.7% | $3,722-51.2% | $3,741-51.5% |
| Admin fee / account holder | $4,559 | $4,288+6.3% | $5,665-19.5% | $5,306-14.1% |