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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 | $38,460 | $101,795-62.2% | $165,100-76.7% | $80,959-52.5% |
| Participation rate | 30.0% | 71.8%-41.8pp | 78.6%-48.6pp | 67.7%-37.7pp |
| Annual return | 9.30% | 16.73%-7.4pp | 70.21%-60.9pp | 35.67%-26.4pp |
| Employer contribution / active EE | $758 | $2,954-74.4% | $4,348-82.6% | $2,757-72.5% |
| Participant deferral / active EE | $3,190 | $4,476-28.7% | $6,035-47.1% | $4,300-25.8% |
| Admin fee / account holder | $3,520 | $8,221-57.2% | $12,696-72.3% | $6,925-49.2% |