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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 | $64,010-55.5% | $108,359-73.7% | $64,340-55.7% |
| Participation rate | 52.4% | 49.4%+3.0pp | 70.1%-17.7pp | 55.2%-2.9pp |
| Annual return | 11.27% | 19.74%-8.5pp | 36.89%-25.6pp | 24.14%-12.9pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,993 | $2,395+25.0% | $4,137-27.6% | $2,980+0.4% |
| Admin fee / account holder | $1,401 | $4,885-71.3% | $9,741-85.6% | $3,703-62.2% |