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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 | $28,021 | $78,015-64.1% | $178,505-84.3% | $80,959-65.4% |
| Participation rate | 47.6% | 65.7%-18.1pp | 77.1%-29.5pp | 67.7%-20.0pp |
| Annual return | 10.66% | 18.10%-7.4pp | 27.16%-16.5pp | 35.67%-25.0pp |
| Employer contribution / active EE | $186 | $2,281-91.8% | $3,955-95.3% | $2,757-93.2% |
| Participant deferral / active EE | $2,643 | $4,406-40.0% | $6,280-57.9% | $4,300-38.5% |
| Admin fee / account holder | $3,393 | $7,160-52.6% | $10,428-67.5% | $6,925-51.0% |