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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 | $34,302 | $60,349-43.2% | $74,184-53.8% | $62,881-45.4% |
| Participation rate | 62.5% | 72.7%-10.2pp | 76.6%-14.1pp | 69.3%-6.8pp |
| Annual return | 2.75% | 21.38%-18.6pp | 17.74%-15.0pp | 20.14%-17.4pp |
| Employer contribution / active EE | $289 | $1,680-82.8% | $2,370-87.8% | $2,281-87.3% |
| Participant deferral / active EE | $1,427 | $2,856-50.0% | $3,550-59.8% | $3,203-55.5% |
| Admin fee / account holder | $902 | $4,261-78.8% | $5,586-83.8% | $4,296-79.0% |