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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 | $29,645 | $55,902-47.0% | $76,030-61.0% | $80,959-63.4% |
| Participation rate | 46.8% | 62.1%-15.3pp | 69.1%-22.3pp | 67.7%-20.9pp |
| Annual return | 8.73% | 20.59%-11.9pp | 361.54%-352.8pp | 35.67%-26.9pp |
| Employer contribution / active EE | $191 | $1,867-89.8% | $2,688-92.9% | $2,757-93.1% |
| Participant deferral / active EE | $2,311 | $3,051-24.3% | $4,257-45.7% | $4,300-46.3% |
| Admin fee / account holder | $2,144 | $5,239-59.1% | $6,421-66.6% | $6,925-69.0% |