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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 | $57,073-55.7% | $85,126-70.3% | $80,925-68.7% |
| Participation rate | 14.5% | 56.4%-41.9pp | 67.5%-53.1pp | 67.7%-53.2pp |
| Annual return | 3.14% | 21.69%-18.6pp | 66.63%-63.5pp | 35.65%-32.5pp |
| Employer contribution / active EE | $259 | $1,801-85.6% | $2,731-90.5% | $2,756-90.6% |
| Participant deferral / active EE | $1,058 | $3,113-66.0% | $4,523-76.6% | $4,299-75.4% |
| Admin fee / account holder | $4,193 | $4,988-15.9% | $6,160-31.9% | $6,940-39.6% |