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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 | $38,634 | $80,763-52.2% | $102,412-62.3% | $74,459-48.1% |
| Participation rate | 44.5% | 65.7%-21.2pp | 74.5%-30.0pp | 67.2%-22.7pp |
| Annual return | 11.18% | 27.57%-16.4pp | 24.94%-13.8pp | 1369.70%-1358.5pp |
| Employer contribution / active EE | $81 | $3,160-97.4% | $3,870-97.9% | $2,626-96.9% |
| Participant deferral / active EE | $1,726 | $3,862-55.3% | $5,060-65.9% | $4,350-60.3% |
| Admin fee / account holder | $5,632 | $2,371+137.5% | $8,388-32.8% | $1,945+189.6% |