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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 | $21,132 | $76,407-72.3% | $150,298-85.9% | $82,448-74.4% |
| Participation rate | 52.6% | 66.4%-13.8pp | 77.8%-25.1pp | 68.1%-15.4pp |
| Annual return | 12.96% | 39.99%-27.0pp | 62.79%-49.8pp | 41.64%-28.7pp |
| Employer contribution / active EE | $153 | $2,614-94.2% | $4,154-96.3% | $2,551-94.0% |
| Participant deferral / active EE | $2,696 | $3,214-16.1% | $5,453-50.6% | $4,139-34.9% |
| Admin fee / account holder | $3,697 | $6,352-41.8% | $14,116-73.8% | $7,234-48.9% |