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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 | $30,942 | $58,493-47.1% | $84,021-63.2% | $72,975-57.6% |
| Participation rate | 55.6% | 61.2%-5.7pp | 69.0%-13.5pp | 69.5%-13.9pp |
| Annual return | 13.81% | 28.93%-15.1pp | 71.32%-57.5pp | 81.01%-67.2pp |
| Employer contribution / active EE | $128 | $1,163-89.0% | $1,984-93.5% | $2,440-94.7% |
| Participant deferral / active EE | $1,298 | $2,394-45.8% | $3,239-59.9% | $3,608-64.0% |
| Admin fee / account holder | $1,421 | $4,569-68.9% | $6,102-76.7% | $5,124-72.3% |