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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 | $29,146 | $75,058-61.2% | $152,301-80.9% | $64,340-54.7% |
| Participation rate | 15.9% | 60.9%-45.0pp | 82.4%-66.5pp | 55.2%-39.3pp |
| Annual return | 6.28% | 29.93%-23.7pp | 80.50%-74.2pp | 24.14%-17.9pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,615 | $5,041-68.0% | $8,004-79.8% | $2,980-45.8% |
| Admin fee / account holder | $5,882 | $4,050+45.2% | $14,398-59.1% | $3,703+58.9% |