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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 | $36,855 | $81,504-54.8% | $102,437-64.0% | $80,959-54.5% |
| Participation rate | 45.5% | 66.9%-21.4pp | 74.5%-29.1pp | 67.7%-22.2pp |
| Annual return | 1.15% | 25.60%-24.4pp | 24.95%-23.8pp | 35.67%-34.5pp |
| Employer contribution / active EE | $10 | $3,104-99.7% | $3,871-99.7% | $2,757-99.6% |
| Participant deferral / active EE | $2,024 | $3,871-47.7% | $5,060-60.0% | $4,300-52.9% |
| Admin fee / account holder | $342 | $6,719-94.9% | $8,388-95.9% | $6,925-95.1% |