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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 | $41,455 | $81,358-49.0% | $155,556-73.4% | $80,959-48.8% |
| Participation rate | 39.7% | 66.3%-26.6pp | 78.2%-38.5pp | 67.7%-28.0pp |
| Annual return | 6.09% | 33.39%-27.3pp | 64.84%-58.7pp | 35.67%-29.6pp |
| Employer contribution / active EE | $322 | $3,106-89.6% | $4,675-93.1% | $2,757-88.3% |
| Participant deferral / active EE | $2,674 | $3,455-22.6% | $5,631-52.5% | $4,300-37.8% |
| Admin fee / account holder | $6,498 | $7,994-18.7% | $15,885-59.1% | $6,925-6.2% |