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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 | $41,162 | $99,345-58.6% | $84,753-51.4% | $273,972-85.0% |
| Participation rate | 25.0% | 80.7%-55.7pp | 76.6%-51.6pp | 83.0%-58.0pp |
| Annual return | 1.97% | 22.93%-21.0pp | 22.78%-20.8pp | 41.46%-39.5pp |
| Employer contribution / active EE | $332 | $4,214-92.1% | $3,574-90.7% | $4,869-93.2% |
| Participant deferral / active EE | $1,098 | $4,270-74.3% | $3,712-70.4% | $5,287-79.2% |
| Admin fee / account holder | $1,243 | $6,645-81.3% | $5,333-76.7% | $10,133-87.7% |