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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 | $41,296 | $67,606-38.9% | $82,313-49.8% | $70,124-41.1% |
| Participation rate | 40.0% | 72.8%-32.8pp | 76.9%-36.9pp | 69.5%-29.5pp |
| Annual return | 11.14% | 21.57%-10.4pp | 25.88%-14.7pp | 73.14%-62.0pp |
| Employer contribution / active EE | $351 | $1,755-80.0% | $2,428-85.5% | $2,342-85.0% |
| Participant deferral / active EE | $1,550 | $2,987-48.1% | $3,706-58.2% | $3,332-53.5% |
| Admin fee / account holder | $412 | $4,512-90.9% | $5,608-92.7% | $4,645-91.1% |