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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 | $35,836 | $101,798-64.8% | $165,071-78.3% | $80,935-55.7% |
| Participation rate | 60.0% | 71.8%-11.8pp | 78.6%-18.6pp | 67.7%-7.7pp |
| Annual return | 10.21% | 16.73%-6.5pp | 70.17%-60.0pp | 35.66%-25.5pp |
| Employer contribution / active EE | $730 | $2,954-75.3% | $4,347-83.2% | $2,757-73.5% |
| Participant deferral / active EE | $2,904 | $4,476-35.1% | $6,035-51.9% | $4,299-32.5% |
| Admin fee / account holder | $4,649 | $8,221-43.5% | $12,695-63.4% | $6,924-32.9% |