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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 | $44,842 | $58,627-23.5% | $76,735-41.6% | $82,448-45.6% |
| Participation rate | 35.4% | 63.2%-27.8pp | 69.5%-34.1pp | 68.1%-32.7pp |
| Annual return | 12.17% | 39.10%-26.9pp | 29.77%-17.6pp | 41.64%-29.5pp |
| Employer contribution / active EE | $319 | $1,729-81.6% | $2,454-87.0% | $2,551-87.5% |
| Participant deferral / active EE | $1,541 | $3,134-50.8% | $4,088-62.3% | $4,139-62.8% |
| Admin fee / account holder | $3,201 | $5,323-39.9% | $7,189-55.5% | $7,234-55.8% |