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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 | $45,934 | $53,128-13.5% | $86,582-46.9% | $70,126-34.5% |
| Participation rate | 38.1% | 65.3%-27.2pp | 73.5%-35.5pp | 69.5%-31.4pp |
| Annual return | 11.25% | 27.66%-16.4pp | 965.08%-953.8pp | 73.15%-61.9pp |
| Employer contribution / active EE | $208 | $2,068-90.0% | $2,839-92.7% | $2,343-91.1% |
| Participant deferral / active EE | $831 | $2,695-69.2% | $3,609-77.0% | $3,332-75.1% |
| Admin fee / account holder | $4,688 | $3,584+30.8% | $4,904-4.4% | $4,645+0.9% |