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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 | $43,657 | $56,054-22.1% | $171,082-74.5% | $62,881-30.6% |
| Participation rate | 40.0% | 62.9%-22.9pp | 76.7%-36.7pp | 69.3%-29.3pp |
| Annual return | 3.37% | 22.52%-19.1pp | 32.56%-29.2pp | 20.14%-16.8pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,962 | $3,158-37.9% | $4,797-59.1% | $3,203-38.7% |
| Admin fee / account holder | $699 | $3,647-80.8% | $8,520-91.8% | $4,296-83.7% |