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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 | $37,368 | $58,627-36.3% | $76,735-51.3% | $82,448-54.7% |
| Participation rate | 52.1% | 63.2%-11.2pp | 69.5%-17.4pp | 68.1%-16.0pp |
| Annual return | 11.97% | 39.10%-27.1pp | 29.77%-17.8pp | 41.64%-29.7pp |
| Employer contribution / active EE | $173 | $1,729-90.0% | $2,454-92.9% | $2,551-93.2% |
| Participant deferral / active EE | $2,556 | $3,134-18.4% | $4,088-37.5% | $4,139-38.2% |
| Admin fee / account holder | $779 | $5,323-85.4% | $7,189-89.2% | $7,234-89.2% |