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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 | $27,975 | $58,493-52.2% | $84,023-66.7% | $72,976-61.7% |
| Participation rate | 38.9% | 61.2%-22.3pp | 69.0%-30.1pp | 69.5%-30.6pp |
| Annual return | 11.05% | 28.93%-17.9pp | 71.32%-60.3pp | 81.02%-70.0pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,268 | $2,394-47.0% | $3,239-60.9% | $3,608-64.9% |
| Admin fee / account holder | $607 | $4,569-86.7% | $6,102-90.1% | $5,124-88.2% |