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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 | $19,024 | $81,358-76.6% | $155,556-87.8% | $80,959-76.5% |
| Participation rate | 38.7% | 66.3%-27.6pp | 78.2%-39.5pp | 67.7%-29.0pp |
| Annual return | 10.29% | 33.39%-23.1pp | 64.84%-54.5pp | 35.67%-25.4pp |
| Employer contribution / active EE | $271 | $3,106-91.3% | $4,675-94.2% | $2,757-90.2% |
| Participant deferral / active EE | $1,052 | $3,455-69.6% | $5,631-81.3% | $4,300-75.5% |
| Admin fee / account holder | $825 | $7,994-89.7% | $15,885-94.8% | $6,925-88.1% |