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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 | $29,165 | $81,487-64.2% | $102,412-71.5% | $80,935-64.0% |
| Participation rate | 27.1% | 66.8%-39.7pp | 74.5%-47.4pp | 67.7%-40.5pp |
| Annual return | 9.30% | 25.60%-16.3pp | 24.94%-15.6pp | 35.66%-26.4pp |
| Employer contribution / active EE | $754 | $3,103-75.7% | $3,870-80.5% | $2,757-72.6% |
| Participant deferral / active EE | $2,037 | $3,871-47.4% | $5,060-59.7% | $4,299-52.6% |
| Admin fee / account holder | $353 | $6,717-94.7% | $8,388-95.8% | $6,924-94.9% |