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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 | $28,474 | $65,246-56.4% | $98,716-71.2% | $67,986-58.1% |
| Participation rate | 52.4% | 51.4%+0.9pp | 69.3%-16.9pp | 57.2%-4.8pp |
| Annual return | 11.27% | 20.58%-9.3pp | 31.81%-20.5pp | 31.67%-20.4pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,993 | $2,594+15.4% | $4,048-26.1% | $3,358-10.9% |
| Admin fee / account holder | $1,401 | $4,561-69.3% | $8,703-83.9% | $3,203-56.3% |