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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 | $31,141 | $67,602-53.9% | $82,312-62.2% | $70,126-55.6% |
| Participation rate | 55.6% | 72.8%-17.2pp | 76.9%-21.3pp | 69.5%-14.0pp |
| Annual return | 10.35% | 21.57%-11.2pp | 25.88%-15.5pp | 73.15%-62.8pp |
| Employer contribution / active EE | $293 | $1,755-83.3% | $2,428-87.9% | $2,343-87.5% |
| Participant deferral / active EE | $1,408 | $2,987-52.9% | $3,706-62.0% | $3,332-57.7% |
| Admin fee / account holder | $2,461 | $4,512-45.5% | $5,608-56.1% | $4,645-47.0% |