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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 | $24,017 | $56,110-57.2% | $94,993-74.7% | $70,126-65.8% |
| Participation rate | 33.8% | 65.0%-31.2pp | 73.9%-40.0pp | 69.5%-35.7pp |
| Annual return | 11.31% | 51.02%-39.7pp | 27.14%-15.8pp | 73.15%-61.8pp |
| Employer contribution / active EE | $152 | $1,442-89.4% | $2,603-94.1% | $2,343-93.5% |
| Participant deferral / active EE | $1,155 | $2,391-51.7% | $3,317-65.2% | $3,332-65.3% |
| Admin fee / account holder | $1,910 | $3,456-44.7% | $4,960-61.5% | $4,645-58.9% |