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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 | $20,041 | $46,877-57.2% | $122,342-83.6% | $70,131-71.4% |
| Participation rate | 31.6% | 58.2%-26.6pp | 71.6%-40.0pp | 69.5%-37.9pp |
| Annual return | 12.38% | 24.22%-11.8pp | 30.28%-17.9pp | 73.14%-60.8pp |
| Employer contribution / active EE | $163 | $1,288-87.4% | $4,051-96.0% | $2,342-93.0% |
| Participant deferral / active EE | $1,435 | $2,167-33.8% | $3,287-56.3% | $3,332-56.9% |
| Admin fee / account holder | $2,578 | $3,324-22.4% | $5,478-52.9% | $4,645-44.5% |