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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 | $28,855 | $81,358-64.5% | $155,556-81.5% | $80,959-64.4% |
| Participation rate | 32.5% | 66.3%-33.8pp | 78.2%-45.7pp | 67.7%-35.2pp |
| Annual return | 9.00% | 33.39%-24.4pp | 64.84%-55.8pp | 35.67%-26.7pp |
| Employer contribution / active EE | $88 | $3,106-97.2% | $4,675-98.1% | $2,757-96.8% |
| Participant deferral / active EE | $1,073 | $3,455-68.9% | $5,631-80.9% | $4,300-75.0% |
| Admin fee / account holder | $7,136 | $7,994-10.7% | $15,885-55.1% | $6,925+3.0% |