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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 | $39,845 | $74,535-46.5% | $100,712-60.4% | $82,637-51.8% |
| Participation rate | 35.8% | 61.2%-25.4pp | 69.3%-33.5pp | 68.1%-32.2pp |
| Annual return | 10.15% | 18.92%-8.8pp | 33.27%-23.1pp | 53.51%-43.4pp |
| Employer contribution / active EE | $288 | $1,503-80.8% | $2,313-87.5% | $2,552-88.7% |
| Participant deferral / active EE | $1,581 | $3,074-48.6% | $4,085-61.3% | $4,126-61.7% |
| Admin fee / account holder | $1,927 | $6,576-70.7% | $9,256-79.2% | $7,339-73.7% |