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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 | $19,559 | $56,894-65.6% | $84,753-76.9% | $62,881-68.9% |
| Participation rate | 63.8% | 68.5%-4.7pp | 76.6%-12.8pp | 69.3%-5.5pp |
| Annual return | 3.33% | 6.30%-3.0pp | 22.78%-19.5pp | 20.14%-16.8pp |
| Employer contribution / active EE | $133 | $2,400-94.4% | $3,574-96.3% | $2,281-94.2% |
| Participant deferral / active EE | $1,921 | $2,709-29.1% | $3,712-48.2% | $3,203-40.0% |
| Admin fee / account holder | $1,164 | $3,581-67.5% | $5,333-78.2% | $4,296-72.9% |