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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 | $37,139 | $77,962-52.4% | $178,540-79.2% | $80,935-54.1% |
| Participation rate | 31.0% | 65.7%-34.6pp | 77.1%-46.1pp | 67.7%-36.6pp |
| Annual return | 9.26% | 18.10%-8.8pp | 27.15%-17.9pp | 35.66%-26.4pp |
| Employer contribution / active EE | $427 | $2,280-81.3% | $3,953-89.2% | $2,757-84.5% |
| Participant deferral / active EE | $1,445 | $4,404-67.2% | $6,281-77.0% | $4,299-66.4% |
| Admin fee / account holder | $4,060 | $7,156-43.3% | $10,424-61.1% | $6,924-41.4% |