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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 | $39,731 | $45,050-11.8% | $63,018-37.0% | $70,126-43.3% |
| Participation rate | 31.3% | 69.5%-38.3pp | 74.8%-43.6pp | 69.5%-38.3pp |
| Annual return | 7.35% | 18.76%-11.4pp | 87.62%-80.3pp | 73.15%-65.8pp |
| Employer contribution / active EE | $147 | $2,052-92.9% | $2,761-94.7% | $2,343-93.7% |
| Participant deferral / active EE | $1,787 | $2,466-27.5% | $3,330-46.3% | $3,332-46.4% |
| Admin fee / account holder | $314 | $2,834-88.9% | $3,601-91.3% | $4,645-93.2% |