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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 | $61,230 | $67,602-9.4% | $82,312-25.6% | $70,126-12.7% |
| Participation rate | 43.8% | 72.8%-29.0pp | 76.9%-33.1pp | 69.5%-25.8pp |
| Annual return | 6.52% | 21.57%-15.1pp | 25.88%-19.4pp | 73.15%-66.6pp |
| Employer contribution / active EE | $17 | $1,755-99.0% | $2,428-99.3% | $2,343-99.3% |
| Participant deferral / active EE | $1,914 | $2,987-35.9% | $3,706-48.4% | $3,332-42.5% |
| Admin fee / account holder | $4,438 | $4,512-1.6% | $5,608-20.9% | $4,645-4.5% |