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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 | $34,330 | $106,247-67.7% | $96,515-64.4% | $139,466-75.4% |
| Participation rate | 42.9% | 77.8%-35.0pp | 74.3%-31.5pp | 80.3%-37.5pp |
| Annual return | 8.61% | 38.47%-29.9pp | 35.73%-27.1pp | 373.66%-365.1pp |
| Employer contribution / active EE | $603 | $4,106-85.3% | $3,740-83.9% | $4,754-87.3% |
| Participant deferral / active EE | $2,486 | $5,456-54.4% | $4,880-49.1% | $6,712-63.0% |
| Admin fee / account holder | $2,427 | $7,885-69.2% | $6,735-64.0% | $11,409-78.7% |