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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 | $40,124 | $87,132-54.0% | $105,624-62.0% | $80,959-50.4% |
| Participation rate | 61.1% | 70.4%-9.3pp | 75.3%-14.2pp | 67.7%-6.6pp |
| Annual return | 9.71% | 17.03%-7.3pp | 116.20%-106.5pp | 35.67%-26.0pp |
| Employer contribution / active EE | $342 | $2,397-85.8% | $3,168-89.2% | $2,757-87.6% |
| Participant deferral / active EE | $2,005 | $3,985-49.7% | $5,013-60.0% | $4,300-53.4% |
| Admin fee / account holder | $2,602 | $8,449-69.2% | $10,961-76.3% | $6,925-62.4% |