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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 | $83,898-52.5% | $133,346-70.1% | $94,015-57.6% |
| Participation rate | 35.8% | 63.4%-27.5pp | 72.8%-37.0pp | 70.8%-35.0pp |
| Annual return | 10.15% | 16.00%-5.8pp | 36.85%-26.7pp | 17.84%-7.7pp |
| Employer contribution / active EE | $288 | $1,821-84.2% | $2,853-89.9% | $2,790-89.7% |
| Participant deferral / active EE | $1,581 | $3,245-51.3% | $4,332-63.5% | $4,249-62.8% |
| Admin fee / account holder | $1,927 | $7,809-75.3% | $14,264-86.5% | $8,951-78.5% |