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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 | $28,506 | $81,504-65.0% | $102,437-72.2% | $80,959-64.8% |
| Participation rate | 35.8% | 66.9%-31.0pp | 74.5%-38.7pp | 67.7%-31.9pp |
| Annual return | 9.89% | 25.60%-15.7pp | 24.95%-15.1pp | 35.67%-25.8pp |
| Employer contribution / active EE | $511 | $3,104-83.5% | $3,871-86.8% | $2,757-81.5% |
| Participant deferral / active EE | $2,199 | $3,871-43.2% | $5,060-56.5% | $4,300-48.9% |
| Admin fee / account holder | $8,638 | $6,719+28.6% | $8,388+3.0% | $6,925+24.7% |