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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 | $36,963 | $77,638-52.4% | $156,551-76.4% | $62,881-41.2% |
| Participation rate | 37.5% | 71.2%-33.7pp | 84.0%-46.5pp | 69.3%-31.8pp |
| Annual return | 4.55% | 50.33%-45.8pp | 32.23%-27.7pp | 20.14%-15.6pp |
| Employer contribution / active EE | $315 | $3,444-90.9% | $5,501-94.3% | $2,281-86.2% |
| Participant deferral / active EE | $1,710 | $3,046-43.8% | $4,871-64.9% | $3,203-46.6% |
| Admin fee / account holder | $3,249 | $5,561-41.6% | $13,028-75.1% | $4,296-24.4% |