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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 | $44,669 | $76,407-41.5% | $150,298-70.3% | $82,448-45.8% |
| Participation rate | 41.0% | 66.4%-25.4pp | 77.8%-36.7pp | 68.1%-27.0pp |
| Annual return | 12.76% | 39.99%-27.2pp | 62.79%-50.0pp | 41.64%-28.9pp |
| Employer contribution / active EE | $129 | $2,614-95.1% | $4,154-96.9% | $2,551-94.9% |
| Participant deferral / active EE | $2,183 | $3,214-32.1% | $5,453-60.0% | $4,139-47.3% |
| Admin fee / account holder | $1,548 | $6,352-75.6% | $14,116-89.0% | $7,234-78.6% |