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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 | $43,371 | $81,358-46.7% | $155,556-72.1% | $80,959-46.4% |
| Participation rate | 44.0% | 66.3%-22.3pp | 78.2%-34.2pp | 67.7%-23.7pp |
| Annual return | 8.17% | 33.39%-25.2pp | 64.84%-56.7pp | 35.67%-27.5pp |
| Employer contribution / active EE | $326 | $3,106-89.5% | $4,675-93.0% | $2,757-88.2% |
| Participant deferral / active EE | $1,249 | $3,455-63.8% | $5,631-77.8% | $4,300-70.9% |
| Admin fee / account holder | $2,837 | $7,994-64.5% | $15,885-82.1% | $6,925-59.0% |