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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 | $24,842 | $81,358-69.5% | $155,556-84.0% | $80,959-69.3% |
| Participation rate | 37.2% | 66.3%-29.1pp | 78.2%-41.0pp | 67.7%-30.5pp |
| Annual return | 10.34% | 33.39%-23.0pp | 64.84%-54.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $348 | $3,106-88.8% | $4,675-92.6% | $2,757-87.4% |
| Participant deferral / active EE | $1,418 | $3,455-59.0% | $5,631-74.8% | $4,300-67.0% |
| Admin fee / account holder | $486 | $7,994-93.9% | $15,885-96.9% | $6,925-93.0% |