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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 | $30,796 | $101,795-69.7% | $165,100-81.3% | $80,959-62.0% |
| Participation rate | 41.7% | 71.8%-30.2pp | 78.6%-37.0pp | 67.7%-26.0pp |
| Annual return | 1.98% | 16.73%-14.8pp | 70.21%-68.2pp | 35.67%-33.7pp |
| Employer contribution / active EE | $477 | $2,954-83.9% | $4,348-89.0% | $2,757-82.7% |
| Participant deferral / active EE | $3,850 | $4,476-14.0% | $6,035-36.2% | $4,300-10.5% |
| Admin fee / account holder | $6,022 | $8,221-26.8% | $12,696-52.6% | $6,925-13.0% |