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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 | $25,294 | $57,140-55.7% | $85,240-70.3% | $80,959-68.8% |
| Participation rate | 14.5% | 56.4%-42.0pp | 67.5%-53.1pp | 67.7%-53.2pp |
| Annual return | 3.14% | 21.71%-18.6pp | 66.75%-63.6pp | 35.67%-32.5pp |
| Employer contribution / active EE | $259 | $1,802-85.6% | $2,735-90.5% | $2,757-90.6% |
| Participant deferral / active EE | $1,058 | $3,115-66.0% | $4,527-76.6% | $4,300-75.4% |
| Admin fee / account holder | $4,193 | $4,992-16.0% | $6,165-32.0% | $6,925-39.4% |