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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 | $38,052 | $81,487-53.3% | $102,412-62.8% | $80,935-53.0% |
| Participation rate | 42.3% | 66.8%-24.5pp | 74.5%-32.2pp | 67.7%-25.4pp |
| Annual return | 7.35% | 25.60%-18.2pp | 24.94%-17.6pp | 35.66%-28.3pp |
| Employer contribution / active EE | $468 | $3,103-84.9% | $3,870-87.9% | $2,757-83.0% |
| Participant deferral / active EE | $1,761 | $3,871-54.5% | $5,060-65.2% | $4,299-59.0% |
| Admin fee / account holder | $1,372 | $6,717-79.6% | $8,388-83.6% | $6,924-80.2% |