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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 | $38,752 | $62,166-37.7% | $81,286-52.3% | $74,429-47.9% |
| Participation rate | 24.4% | 64.1%-39.7pp | 69.5%-45.1pp | 67.2%-42.8pp |
| Annual return | 8.53% | 16.50%-8.0pp | 24.80%-16.3pp | 1368.38%-1359.8pp |
| Employer contribution / active EE | $256 | $1,881-86.4% | $2,463-89.6% | $2,625-90.2% |
| Participant deferral / active EE | $1,355 | $3,223-58.0% | $3,883-65.1% | $4,348-68.8% |
| Admin fee / account holder | $5,880 | $1,925+205.5% | $5,764+2.0% | $1,944+202.4% |