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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 | $22,411 | $54,541-58.9% | $78,778-71.6% | $70,126-68.0% |
| Participation rate | 48.3% | 60.8%-12.5pp | 69.2%-20.9pp | 69.5%-21.3pp |
| Annual return | 11.88% | 21.07%-9.2pp | 35.62%-23.7pp | 73.15%-61.3pp |
| Employer contribution / active EE | $193 | $1,089-82.2% | $1,986-90.3% | $2,343-91.7% |
| Participant deferral / active EE | $1,460 | $2,210-33.9% | $2,958-50.6% | $3,332-56.2% |
| Admin fee / account holder | $4,984 | $3,709+34.4% | $5,134-2.9% | $4,645+7.3% |