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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 | $33,820 | $81,331-58.4% | $155,534-78.3% | $80,935-58.2% |
| Participation rate | 23.4% | 66.3%-42.8pp | 78.2%-54.8pp | 67.7%-44.2pp |
| Annual return | 8.88% | 33.37%-24.5pp | 64.92%-56.0pp | 35.66%-26.8pp |
| Employer contribution / active EE | $321 | $3,105-89.6% | $4,675-93.1% | $2,757-88.3% |
| Participant deferral / active EE | $1,519 | $3,454-56.0% | $5,630-73.0% | $4,299-64.7% |
| Admin fee / account holder | $1,485 | $7,999-81.4% | $15,900-90.7% | $6,924-78.6% |