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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 | $32,663 | $81,476-59.9% | $102,383-68.1% | $80,925-59.6% |
| Participation rate | 37.5% | 66.8%-29.3pp | 74.5%-37.0pp | 67.7%-30.2pp |
| Annual return | 6.66% | 25.59%-18.9pp | 24.94%-18.3pp | 35.65%-29.0pp |
| Employer contribution / active EE | $660 | $3,105-78.7% | $3,870-83.0% | $2,756-76.1% |
| Participant deferral / active EE | $2,993 | $3,871-22.7% | $5,060-40.8% | $4,299-30.4% |
| Admin fee / account holder | $2,287 | $6,717-66.0% | $8,391-72.7% | $6,940-67.0% |