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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 | $42,903 | $43,749-1.9% | $158,223-72.9% | $65,306-34.3% |
| Participation rate | 11.4% | 56.9%-45.5pp | 79.2%-67.8pp | 57.7%-46.3pp |
| Annual return | 9.00% | 19.41%-10.4pp | 52.09%-43.1pp | 21.94%-12.9pp |
| Employer contribution / active EE | $264 | $1,497-82.4% | $4,109-93.6% | $1,967-86.6% |
| Participant deferral / active EE | $1,103 | $2,019-45.4% | $5,467-79.8% | $2,959-62.7% |
| Admin fee / account holder | $4,069 | $1,930+110.8% | $16,047-74.6% | $3,480+16.9% |