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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 | $39,954 | $46,297-13.7% | $71,671-44.3% | $62,293-35.9% |
| Participation rate | 45.0% | 60.6%-15.6pp | 68.7%-23.7pp | 69.5%-24.5pp |
| Annual return | 11.22% | 22.32%-11.1pp | 20.65%-9.4pp | 28.90%-17.7pp |
| Employer contribution / active EE | $106 | $1,412-92.5% | $2,460-95.7% | $2,042-94.8% |
| Participant deferral / active EE | $1,403 | $2,235-37.2% | $3,438-59.2% | $3,169-55.7% |
| Admin fee / account holder | $3,550 | $461+670.7% | $5,558-36.1% | $479+640.6% |