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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 | $23,867 | $65,364-63.5% | $92,909-74.3% | $72,975-67.3% |
| Participation rate | 61.1% | 68.3%-7.2pp | 76.0%-14.9pp | 69.5%-8.4pp |
| Annual return | 13.57% | 42.11%-28.5pp | 109.44%-95.9pp | 81.01%-67.4pp |
| Employer contribution / active EE | $168 | $2,594-93.5% | $3,653-95.4% | $2,440-93.1% |
| Participant deferral / active EE | $1,408 | $3,128-55.0% | $4,238-66.8% | $3,608-61.0% |
| Admin fee / account holder | $1,276 | $4,251-70.0% | $5,795-78.0% | $5,124-75.1% |