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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 | $44,283 | $48,078-7.9% | $78,676-43.7% | $62,881-29.6% |
| Participation rate | 21.7% | 65.2%-43.5pp | 73.6%-51.8pp | 69.3%-47.6pp |
| Annual return | 2.12% | 31.36%-29.2pp | 62.19%-60.1pp | 20.14%-18.0pp |
| Employer contribution / active EE | $190 | $2,015-90.6% | $2,850-93.3% | $2,281-91.7% |
| Participant deferral / active EE | $764 | $2,587-70.5% | $3,517-78.3% | $3,203-76.2% |
| Admin fee / account holder | $1,309 | $3,206-59.2% | $4,510-71.0% | $4,296-69.5% |