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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 | $27,261 | $81,358-66.5% | $155,556-82.5% | $80,959-66.3% |
| Participation rate | 23.7% | 66.3%-42.5pp | 78.2%-54.5pp | 67.7%-43.9pp |
| Annual return | 9.89% | 33.39%-23.5pp | 64.84%-54.9pp | 35.67%-25.8pp |
| Employer contribution / active EE | $329 | $3,106-89.4% | $4,675-93.0% | $2,757-88.1% |
| Participant deferral / active EE | $1,376 | $3,455-60.2% | $5,631-75.6% | $4,300-68.0% |
| Admin fee / account holder | $1,492 | $7,994-81.3% | $15,885-90.6% | $6,925-78.5% |