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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 | $75,541-40.9% | $152,093-70.6% | $82,637-45.9% |
| Participation rate | 41.0% | 66.5%-25.5pp | 77.8%-36.7pp | 68.1%-27.0pp |
| Annual return | 12.76% | 32.56%-19.8pp | 66.36%-53.6pp | 53.51%-40.7pp |
| Employer contribution / active EE | $129 | $2,622-95.1% | $4,175-96.9% | $2,552-94.9% |
| Participant deferral / active EE | $2,183 | $3,206-31.9% | $5,451-60.0% | $4,126-47.1% |
| Admin fee / account holder | $1,548 | $6,405-75.8% | $14,497-89.3% | $7,339-78.9% |