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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 | $29,982 | $176,786-83.0% | $146,643-79.6% | $167,536-82.1% |
| Participation rate | 45.8% | 83.6%-37.8pp | 80.1%-34.2pp | 82.1%-36.3pp |
| Annual return | 7.50% | 24.04%-16.5pp | 22.75%-15.2pp | 478.82%-471.3pp |
| Employer contribution / active EE | $928 | $5,161-82.0% | $4,137-77.6% | $4,839-80.8% |
| Participant deferral / active EE | $2,930 | $6,440-54.5% | $5,506-46.8% | $6,342-53.8% |
| Admin fee / account holder | $2,230 | $13,262-83.2% | $10,280-78.3% | $12,315-81.9% |