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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 | $29,704 | $77,574-61.7% | $108,753-72.7% | $86,983-65.9% |
| Participation rate | 40.5% | 62.3%-21.8pp | 71.1%-30.5pp | 69.5%-29.0pp |
| Annual return | 11.20% | 18.42%-7.2pp | 37.47%-26.3pp | 25.83%-14.6pp |
| Employer contribution / active EE | $180 | $1,611-88.8% | $2,427-92.6% | $2,584-93.0% |
| Participant deferral / active EE | $2,323 | $3,128-25.8% | $4,115-43.6% | $4,194-44.6% |
| Admin fee / account holder | $2,288 | $6,529-65.0% | $10,320-77.8% | $7,856-70.9% |