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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 | $26,102 | $57,140-54.3% | $85,240-69.4% | $80,959-67.8% |
| Participation rate | 22.2% | 56.4%-34.2pp | 67.5%-45.3pp | 67.7%-45.4pp |
| Annual return | 9.19% | 21.71%-12.5pp | 66.75%-57.6pp | 35.67%-26.5pp |
| Employer contribution / active EE | $174 | $1,802-90.3% | $2,735-93.6% | $2,757-93.7% |
| Participant deferral / active EE | $973 | $3,115-68.8% | $4,527-78.5% | $4,300-77.4% |
| Admin fee / account holder | $2,392 | $4,992-52.1% | $6,165-61.2% | $6,925-65.5% |