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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 | $24,876 | $81,358-69.4% | $155,556-84.0% | $80,959-69.3% |
| Participation rate | 37.4% | 66.3%-28.9pp | 78.2%-40.9pp | 67.7%-30.3pp |
| Annual return | 10.00% | 33.39%-23.4pp | 64.84%-54.8pp | 35.67%-25.7pp |
| Employer contribution / active EE | $285 | $3,106-90.8% | $4,675-93.9% | $2,757-89.7% |
| Participant deferral / active EE | $1,098 | $3,455-68.2% | $5,631-80.5% | $4,300-74.5% |
| Admin fee / account holder | $8,371 | $7,994+4.7% | $15,885-47.3% | $6,925+20.9% |