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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 | $46,924 | $81,276-42.3% | $155,574-69.8% | $80,925-42.0% |
| Participation rate | 18.8% | 66.2%-47.5pp | 78.2%-59.5pp | 67.7%-48.9pp |
| Annual return | 10.27% | 33.36%-23.1pp | 64.87%-54.6pp | 35.65%-25.4pp |
| Employer contribution / active EE | $302 | $3,103-90.3% | $4,676-93.5% | $2,756-89.1% |
| Participant deferral / active EE | $935 | $3,453-72.9% | $5,629-83.4% | $4,299-78.3% |
| Admin fee / account holder | $1,551 | $7,993-80.6% | $15,914-90.3% | $6,940-77.6% |