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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 | $33,753 | $75,541-55.3% | $152,093-77.8% | $82,637-59.2% |
| Participation rate | 17.4% | 66.5%-49.1pp | 77.8%-60.4pp | 68.1%-50.7pp |
| Annual return | 11.48% | 32.56%-21.1pp | 66.36%-54.9pp | 53.51%-42.0pp |
| Employer contribution / active EE | $233 | $2,622-91.1% | $4,175-94.4% | $2,552-90.9% |
| Participant deferral / active EE | $935 | $3,206-70.8% | $5,451-82.9% | $4,126-77.3% |
| Admin fee / account holder | $2,768 | $6,405-56.8% | $14,497-80.9% | $7,339-62.3% |