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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 | $30,015 | $51,207-41.4% | $70,565-57.5% | $75,177-60.1% |
| Participation rate | 37.9% | 61.0%-23.1pp | 68.4%-30.5pp | 67.2%-29.3pp |
| Annual return | 10.87% | 30.05%-19.2pp | 32.79%-21.9pp | 160.75%-149.9pp |
| Employer contribution / active EE | $235 | $1,826-87.1% | $2,976-92.1% | $2,671-91.2% |
| Participant deferral / active EE | $1,577 | $2,850-44.7% | $4,568-65.5% | $4,126-61.8% |
| Admin fee / account holder | $9,163 | $4,097+123.6% | $6,430+42.5% | $5,651+62.1% |