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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 | $46,836 | $81,262-42.4% | $155,602-69.9% | $80,911-42.1% |
| Participation rate | 26.9% | 66.2%-39.3pp | 78.2%-51.3pp | 67.6%-40.7pp |
| Annual return | 6.48% | 33.34%-26.9pp | 64.81%-58.3pp | 35.63%-29.1pp |
| Employer contribution / active EE | $369 | $3,102-88.1% | $4,675-92.1% | $2,756-86.6% |
| Participant deferral / active EE | $1,069 | $3,451-69.0% | $5,629-81.0% | $4,297-75.1% |
| Admin fee / account holder | $520 | $7,992-93.5% | $15,923-96.7% | $6,935-92.5% |