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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 | $39,052 | $80,748-51.6% | $102,383-61.9% | $74,429-47.5% |
| Participation rate | 29.0% | 65.7%-36.7pp | 74.5%-45.5pp | 67.2%-38.2pp |
| Annual return | 7.03% | 27.57%-20.5pp | 24.94%-17.9pp | 1368.38%-1361.4pp |
| Employer contribution / active EE | $190 | $3,159-94.0% | $3,870-95.1% | $2,625-92.7% |
| Participant deferral / active EE | $1,744 | $3,861-54.8% | $5,060-65.5% | $4,348-59.9% |
| Admin fee / account holder | $4,014 | $2,371+69.3% | $8,391-52.2% | $1,944+106.4% |