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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 | $26,020 | $77,908-66.6% | $149,696-82.6% | $75,173-65.4% |
| Participation rate | 41.5% | 65.6%-24.0pp | 78.8%-37.2pp | 67.2%-25.7pp |
| Annual return | 12.27% | 31.73%-19.5pp | 134.46%-122.2pp | 160.72%-148.5pp |
| Employer contribution / active EE | $228 | $3,138-92.7% | $4,821-95.3% | $2,671-91.5% |
| Participant deferral / active EE | $896 | $3,411-73.7% | $5,682-84.2% | $4,126-78.3% |
| Admin fee / account holder | $1,446 | $5,950-75.7% | $13,212-89.1% | $5,651-74.4% |