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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 | $45,463 | $46,464-2.2% | $150,298-69.8% | $79,634-42.9% |
| Participation rate | 21.1% | 57.0%-35.8pp | 77.8%-56.6pp | 62.5%-41.3pp |
| Annual return | 10.48% | 27.89%-17.4pp | 62.79%-52.3pp | 36.46%-26.0pp |
| Employer contribution / active EE | $166 | $1,512-89.0% | $4,154-96.0% | $2,529-93.4% |
| Participant deferral / active EE | $669 | $2,157-69.0% | $5,453-87.7% | $3,835-82.6% |
| Admin fee / account holder | $1,104 | $891+24.0% | $14,116-92.2% | $1,002+10.2% |