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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 | $37,312 | $88,672-57.9% | $105,223-64.5% | $82,448-54.7% |
| Participation rate | 21.9% | 67.9%-46.0pp | 75.0%-53.2pp | 68.1%-46.2pp |
| Annual return | 1.83% | 30.86%-29.0pp | 180.65%-178.8pp | 41.64%-39.8pp |
| Employer contribution / active EE | $427 | $3,048-86.0% | $3,689-88.4% | $2,551-83.3% |
| Participant deferral / active EE | $1,739 | $4,036-56.9% | $5,072-65.7% | $4,139-58.0% |
| Admin fee / account holder | $6,668 | $7,146-6.7% | $8,859-24.7% | $7,234-7.8% |