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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 | $41,695 | $56,894-26.7% | $84,753-50.8% | $62,881-33.7% |
| Participation rate | 57.7% | 68.5%-10.8pp | 76.6%-18.9pp | 69.3%-11.6pp |
| Annual return | 1.00% | 6.30%-5.3pp | 22.78%-21.8pp | 20.14%-19.1pp |
| Employer contribution / active EE | $122 | $2,400-94.9% | $3,574-96.6% | $2,281-94.7% |
| Participant deferral / active EE | $2,414 | $2,709-10.9% | $3,712-35.0% | $3,203-24.6% |
| Admin fee / account holder | $1,581 | $3,581-55.9% | $5,333-70.4% | $4,296-63.2% |